Update on my status

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MemberSince99
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Update on my status

Postby MemberSince99 » Tue May 27, 2014 12:20 pm

I just wanted to let anyone who cares know that I'm planning to not post as much. My credit situation in terms of cards is pretty well set though it remains to be seen if I'll keep Discover and Citi long term. For now they are saved. The only real situation is do I buy a house. But I just don't have much to contribute in terms of credit cards at this point that I haven't already posted.


I really like a lot of you guys so I'll check in from time to time. If anyone has any questions you can private message me. But please don't send me something like "What do you think my odds of getting card A are" unless it's a joke, because if I respond, it will only be something like "What do you think the odds are that I really care?" :)


Anyway take care guys I'll be back from time to time I wish you the best with your credit goals.


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jumbo
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Postby jumbo » Tue May 27, 2014 12:32 pm

Don't forget to update us on your house buying experience. I might have to think about it in near future.
Your experiences will be helpful.
Enjoy.
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Terry
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Postby Terry » Tue May 27, 2014 6:04 pm

MemberSince99 wrote:I just wanted to let anyone who cares know that I'm planning to not post as much. My credit situation in terms of cards is pretty well set though it remains to be seen if I'll keep Discover and Citi long term. For now they are saved. The only real situation is do I buy a house. But I just don't have much to contribute in terms of credit cards at this point that I haven't already posted.


I really like a lot of you guys so I'll check in from time to time. If anyone has any questions you can private message me. But please don't send me something like "What do you think my odds of getting card A are" unless it's a joke, because if I respond, it will only be something like "What do you think the odds are that I really care?" :)


Anyway take care guys I'll be back from time to time I wish you the best with your credit goals.


The credit card forum will not be the same without you. Your tremendous contribution is certainly noticed and your return will be greatly appreciated. Thank you for sharing your knowledge and experience with all of us.
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Postby rockyrock » Wed May 28, 2014 12:22 am

You add a lot of color to this forum, I hope you come back and visit now and again. Good luck with the house thing.
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MemberSince99
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Postby MemberSince99 » Thu Jun 05, 2014 12:31 pm

jumbo wrote:Don't forget to update us on your house buying experience. I might have to think about it in near future.
Your experiences will be helpful.
Enjoy.



I've put it on hold. I just can't feel a warm fuzzy about it while I work where I work now. I am sick to my stomach all the time working here I drink my lunch (Starbucks not booze) because I don't know if I can keep down solid food. How can I possibly commit to that or take something on like that, when I can't stand my freaking job? I'm going forward in my search for better because at this rate, death is beginning to look preferable to living like this. I've never had a job affect my health the way this one is, it's truly that bad (the situation). I gotta get better than this, for the sake of everything important to me.


The irony is I just an hour ago got the email from the loan officer that my loan was pre-approved (I honestly thought it already had been pre-approved) and to let her know if I have any questions once I receive the mortgage loan commitment in the mail. The letter I got said it was not a commitment but a professional opinion. This sounds like actual legal pre-approval, which I know could still be declined (just like credit cards) but I didn't know I thought I had been pre-approved. Anyway it's kind of moot until I feel comfortable with my employment and location situation.


So for now it's on hold.

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Postby WildBill » Thu Jun 05, 2014 5:35 pm

MemberSince99 wrote:I've put it on hold. I just can't feel a warm fuzzy about it while I work where I work now. I am sick to my stomach all the time working here I drink my lunch (Starbucks not booze) because I don't know if I can keep down solid food. How can I possibly commit to that or take something on like that, when I can't stand my freaking job? I'm going forward in my search for better because at this rate, death is beginning to look preferable to living like this. I've never had a job affect my health the way this one is, it's truly that bad (the situation). I gotta get better than this, for the sake of everything important to me.


The irony is I just an hour ago got the email from the loan officer that my loan was pre-approved (I honestly thought it already had been pre-approved) and to let her know if I have any questions once I receive the mortgage loan commitment in the mail. The letter I got said it was not a commitment but a professional opinion. This sounds like actual legal pre-approval, which I know could still be declined (just like credit cards) but I didn't know I thought I had been pre-approved. Anyway it's kind of moot until I feel comfortable with my employment and location situation.


So for now it's on hold.


Pre-approval and a Letter of Commitment are two different things. The Pre-Approval is after they have reviewed and verified your employment, income, past tax returns, credit profile and scores and have determined the loan amount you are eligible for.

The Letter of Commitment is usually after you have selected a home, had it inspected, and your file has gone through and been approved by underwriting. Letter of Commitment is usually the final step in the home buying process prior to closing.

MemberSince99
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Postby MemberSince99 » Tue Jun 10, 2014 6:49 am

Thanks WildBill. It seems different banks do it differently. I Googled the two not being sure of what the difference is, and the Letter of Loan Commitment means it has been through underwriting, and is essentially a guarantee (or as close to one as you get) that if nothing has changed and the value of the home fits the loan, the bank is committing to the loan. I asked the loan officer if this is correct and she told me it was.


So apparently that's how Associated does it, or at least how this was done. Heck I don't know, I'm completely new to it so everything is a learning experience to me.


It's still on hold. I can't say it will always be that way but for now it is, my top priority is finding a job I can stand. I was up again part of last night and I can't eat while I work there even the thought of going there makes me feel ill. I actually told my boss I'm looking to move on, as he's my friend and I would rather just be upfront with him than sneak around (if he wasn't a friend I would never tell them) and he's not too happy about it, but this can't go on it just can't.

MemberSince99
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Postby MemberSince99 » Wed Jun 11, 2014 9:18 am

I've decided to open myself back up to buying a place.


This was triggered by an incident with the apartment I live in. I noticed this weekend the patio sliding door lock was broken it wasn't locking. I fiddled with it and couldn't make it work. So I left them an email and figured it would be taken care of no problem. The guy came and said it was fixed but it wouldn't work for me when I got there so I let them know. They had him go back out then I get an email saying well it's old and we don't have any parts for it, but there is a trick to it, you hold the handle in the middle and close and then it works. I was like how Mickey Mouse is that. So I get there and try it, and sometimes it works and sometimes it doesn't. I was like you've gotta be kidding me telling me I should just live with that because you are cheap and don't want to put money into your own property.


Then I recalled how I'd read in the lease agreement that they stated that all locks must be operable and it was their obligation to maintain them. (Yes I actually read it). So I mentioned that to them and said that if they did not fix the lock so it worked properly I would look into what my rights are in the matter. You can translate that as I would consult an attorney. It's no bluff I would - he may tell me I gotta just suck it up and live with it, but I'd sure find out as that may be grounds for me to terminate the lease.


When I did that then the manager of the unit emailed me saying they would fix it. I don't trust them though because then the original idiot I was dealing with tried to say how they would "permanently" bar it. I was like what the hell is this, I don't want it permanently barred I just want the lock fixed. I mean seriously why is that such a major ordeal? What if the refrigerator goes are you then going to tell me oh just dump ice in it and live with it like that?


What a bunch of slumlords. And they are charging me what a mortgage would cost me to live there it's not like it's a low rent cheap place to live or anything.


So, I'm now open to buying again. It's just based on the fact I sure as hell am tired of this rental nonsense these slumlords do and I can't see moving from this dump to another dump to put up with the same or worse. The only real option is to buy.

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kcm7
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Postby kcm7 » Wed Jun 11, 2014 10:13 am

MemberSince99 wrote: I was dealing with tried to say how they would "permanently" bar it. I was like what the hell is this, I don't want it permanently barred I just want the lock fixed. I mean seriously why is that such a major ordeal? What if the refrigerator goes are you then going to tell me oh just dump ice in it and live with it like that?


Gotta love that "There! I fixed it!" apartment logic. At my last place, cement started crumbling off my balcony, so I called maintenance. Their solution? Remove the entire balcony. They didn't tell me they were going to do so. I just got back from work one day, and it was gone. I asked them to decrease my rent, since my sq footage calculation when I signed the lease included the balcony AND the storage closet located off my balcony that I no longer had access to without endangering my life. They hemmed and hawed about it, and my lease was up in three months any way, so I found a new place. Thing with apartments, though, is that, even the "nice" ones don't care about maintenance. Once you're trapped in a lease, you're screwed unless the maintenance person actually cares. Fortunately I've lucked into a place with a great maintenance guy. But good maintenance is not the sort of thing you research in advance and make sure you're getting. You don't know until you've moved in and something goes wrong.
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MemberSince99
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Postby MemberSince99 » Wed Jun 11, 2014 12:24 pm

Wow. Yeah I know when they show you the place they try to come off like it's all upscale and if you need anything you just let them know.


Then when you actually need something they are trying to cobble things to save money. And you are right you signed that lease so you are basically screwed unless they do something in violation of it.


Seriously though I have given quite a bit of thought to if they are fighting so hard about something so minor can you imagine if the furnace went in January or the A/C in August, or the fridge or stove went? Not a happy thought. I could honestly picture them if my stove went out sending me a Google link that shows you how to use your clothes iron as a low budget hibachi or something.


I've just reached the point that I'm going to call them on it, because I don't care I plan to leave anyway.



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