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Viewing profile - cjscully

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cjscully
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Joined: Thu Oct 14, 2010 2:56 pm
Last visited: Sun Feb 20, 2011 9:52 am
Total posts: 51
[0.06% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 48 Posts / 94.12% of user’s posts ]
Most active topic: Cashing in on IRA to nullify debt
[ 3 Posts / 5.88% of user’s posts ]

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Location: California
Age: 54
Occupation: Author Financial Coach Business Owner
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Website: http://www.mymoneymess.com

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Practical, tested solutions for sorting out your moneymess - http://www.mymoneymess.com

cjscully Posts

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 Forum: Personal Finance   Topic: Help with Repairing Credit

Posted: Fri Feb 11, 2011 4:04 pm 

Replies: 16
Views: 2397


2. Be sure to provide documentation for erroneous information. Don't expect things to be removed just because you don't like them on your report. The key word is erroneous. Per the Fair Credit Reporting Act the burden is on the Credit Bureaux to verify the accuracy of the report. If your dispute an...

 Forum: Personal Finance   Topic: Help with Repairing Credit

Posted: Thu Feb 10, 2011 11:49 am 

Replies: 16
Views: 2397


Here is a basic sequence of actions for raising your credit score: 1. Obtain a copy of your credit reports and credit scores from each bureau. 2. Note any erroneous information on the report and dispute that with the credit bureaux. 3. Note any accounts in collections or past due. 4. Allocate funds ...

 Forum: Personal Finance   Topic: Blog post

 Post subject: Re: Blog post
Posted: Fri Jan 28, 2011 1:26 pm 

Replies: 30
Views: 3866


You wont be able to get a loan for seven years, I'm sorry, you're misinformed here. Most people can qualify for a new mortgage in as little as 36 months following a foreclosure (or deed in lieu of foreclosure). Other forms of credit such as credit cards, car loans and so on can be obtained even soo...

 Forum: Personal Finance   Topic: Should I get another credit card?

Posted: Wed Jan 26, 2011 4:18 pm 

Replies: 16
Views: 2611


Adding the Blue card and keeping the older cards would be fine if you are paying your balances in full every month.

I'd close the Macy's card as well since you're better off putting those purchases on the Blue card.

 Forum: Personal Finance   Topic: Blog post

 Post subject: Re: Blog post
Posted: Wed Jan 26, 2011 4:14 pm 

Replies: 30
Views: 3866


I'm all for rational discussion. And I did not say that I lost respect for Sierra as a writer. But I do believe that particular article was reprehensible. I was also thinking - it is generally accepted that the severe recession the US has experienced was a direct result of unscrupulous mortgages. E...

 Forum: Personal Finance   Topic: Blog post

 Post subject: Re: Blog post
Posted: Wed Jan 26, 2011 4:00 pm 

Replies: 30
Views: 3866


You wont be able to get a loan for seven years, I'm sorry, you're misinformed here. Most people can qualify for a new mortgage in as little as 36 months following a foreclosure (or deed in lieu of foreclosure). Other forms of credit such as credit cards, car loans and so on can be obtained even soo...

 Forum: Personal Finance   Topic: Failed attempts

 Post subject: Re: Failed attempts
Posted: Wed Jan 26, 2011 3:56 pm 

Replies: 18
Views: 3133


IMO the lower a person's income is relative to their expenses, the more they need to have and follow a detailed budget. There is a point however, where income is so much greater than expenses that that kind of detail is not only unnecessary, it is a waste of time. People do not achieve this financia...

 Forum: Personal Finance   Topic: Should i borrow from Lending Club or Prosper to pay CC debt?

Posted: Thu Jan 20, 2011 11:08 am 

Replies: 30
Views: 4939


I'm pretty sure you can have joint credit cards. Its basically the same thing as a co-signer. One person uses another person's credit as a way of getting a better rate. I had a joint credit card account with my parents for years. Originally as a way to build my credit, and then we just forgot about...

 Forum: Personal Finance   Topic: saving for a house downpayment

Posted: Tue Jan 18, 2011 2:08 pm 

Replies: 5
Views: 1925


I don't think this is purely a dollars and cents question. If the dream is to build the new house and sell the current one, then you should treat it as a goal to be achieved. When do you want to move into your brand new house on your 15 acres? How much money do you need to put into your down payment...

 Forum: Personal Finance   Topic: Downsizing safely

 Post subject: Re: Downsizing safely
Posted: Mon Jan 03, 2011 12:39 pm 

Replies: 3
Views: 1010


I haven't exactly dealt with that specific situation but here are my suggestions: 1. Settle on your price range first. 2. Find the best neighborhoods in that price range. 3. Get a real estate agent to work for you as a buyer's agent - in my state they still get paid by the seller but the difference ...

 Forum: Personal Finance   Topic: Financial Milestones

 Post subject: Re: Financial Milestones
Posted: Fri Dec 31, 2010 11:00 am 

Replies: 8
Views: 1613


My wife and I celebrate milestones privately, most often we'll go out to dinner or something.

 Forum: Personal Finance   Topic: How do you avoid your credit card debt?

Posted: Tue Dec 28, 2010 6:54 pm 

Replies: 22
Views: 3640


I do not have a credit card because I do not need them. I am so used to paying for everything in cash. But after reading all those stories of freebies in this thread, I guess I ought to try them out. Many banks now have rewards programs for debit cards. They may not be quite as good as those for cr...

 Forum: Personal Finance   Topic: Should i borrow from Lending Club or Prosper to pay CC debt?

Posted: Tue Dec 28, 2010 6:46 pm 

Replies: 30
Views: 4939


Why do you think you need/deserve entertainment? I've seen this kind of sentiment in other threads here and frankly I think it's a ridiculous position to take and extremely judgmental. Assuming that the poster works eight hours a day and sleeps eight hours a day (plus an unpaid meal break) and let'...

 Forum: Personal Finance   Topic: What will you do with your raise in 2011?

Posted: Mon Dec 20, 2010 2:31 pm 

Replies: 53
Views: 6412


It'll go toward my recently incurred hospital bills.
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