ishtarastarte

Mo-om! (in a teenagery whine)

ishtarastarte’s Activity

Fri Jul 25

NL

Boards Post

ishtarastarte replied to the Penguin Place board. 5:36 PM

Re: Question for an IT person

Then follow Imp's instructions and let us know what happens. :)

Ishtar

NL

Boards Post

ishtarastarte replied to the Replies I'd Like To Make board. 3:45 PM

Re: Posting wrecks

I'm not sure which one he was referring to, but given the timing, I assumed this thread: [more]

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 2:58 PM

Re: Credit score

If she had a deal, then it was likely written off.

However, she probably owes taxes on the forgiven amount.

Ishtar

NL

Boards Post

ishtarastarte replied to the Penguin Place board. 1:23 PM

Re: Question for an IT person

It's not offering to find the driver online for you?

Do you click on "install driver" when the warning pops up?

Ishtar

NL

Boards Post

ishtarastarte replied to the Imp This Ride board. 9:13 AM

Re: Neener!

They mean corn bread that has any sugar in it at all.

Apparently, corn bread does not have sugar, corn muffins do.

:P

Ishtar

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 12:28 AM

Re: Credit score

I had thought the FCRA capped judgments as well. Has that changed in recent years?

I had a judgment against me in the 90s (military move, was supposed to have a military clause in my lease, they said I didn't turn in my keys, I was in [more]

Thu Jul 24

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 12:46 PM

Re: Collection on credit report

7.5 years from last payment.

BUT

Just because it's off the report doesn't mean the collection agents will stop bugging you.

I've had a lot of bad stuff (including several collections) fall off my report in the last year - [more]

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 11:14 AM

Re: Credit score

Foreclosures are the same as other credit which is 7 years. Bankruptcy and liens report for 10 years.

Interesting.

A judgment is 10 years - and an eviction that goes all the way through to judgement is 10 years, so I guess I [more]

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 10:17 AM

Re: Saving vs. Paying credit card debt

Nothing like responding to a 17 year old post.

Ishtar

Wed Jul 23

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 11:52 PM

Re: Credit score

After 24 months, late payments count less. They are totally gone in 7 years.

Charge offs/closed by creditor are gone in 7 years + 180 days from the last payment made.

Foreclosure, I'm pretty sure that's like other public records and [more]

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 2:20 PM

Re: What is the best way?

Ok, I'm going to put in one more pitch for YNAB.

http://www.youneedabudget.com/

(This is not my affiliate link, but if you think the software might work for you after the 34 day trial, [more]

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 1:53 PM

Re: Credit score

Depends on how bad it is and exactly what's on it.

In the last 6 months mine went from 570-595 (depending on which credit agency) to 665-698 - much better but nowhere near excellent.

BUT, that's in large part to Really Bad Things [more]

Tue Jul 22

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 2:25 PM

Re: What is the best way?

I was afraid of that.

Are you in a community property state?

It might seriously be good to have a consultation with a lawyer before you make any action on your debt.

If you're in a community property state, it likely won't [more]

Mon Jul 21

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 6:07 PM

Re: What is the best way?

At the very least, your spouse should be aware of the debt and how much having it is stressing you out.

Ishtar

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 5:19 PM

Re: What is the best way?

Ok, I am an advocate of separate accounts for a lot of reasons, but there are times when you've got to sit down and make decisions together, even when separate accounts are involved.

Do the two of you share the same financial [more]

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 5:11 PM

Re: What is the best way?

I can understand a change in circumstances (goodness knows!), but it's all the more reason NOT to touch retirement funds.

Is your spouse on board with what you're doing?

Will a ledger make sense to your spouse or would something [more]

NL

Boards Post

ishtarastarte replied to the Credit Cards and Consumer Debt board. 4:39 PM

Re: What is the best way?

In 2006, you said you were "very consistent" about paying down debt and very organized.

[more]

Sun Jul 20

NL

Boards Post

ishtarastarte posted to the Ishtar's Gate board. 11:03 PM

Hmmmmm

Again, people on FB have probably already seen this, but. . .

My credit score has increased 70 points in the last 6 months. It's gone from "pretty d@mn bad" to midrange "good".

I'm in shock.

I mean, I [more]

Fri Jul 18

NL

Boards Post

ishtarastarte replied to the Ishtar's Gate board. 8:01 PM

Re: In answer to

I'm glad I posted here, because my first instinct was to fix the car - which is why I made a payment and took the loaner in the first place.

And yes, the loaner does not look like a good idea to purchase now.

The Volvo my friend has [more]

NL

Boards Post

ishtarastarte replied to the Ishtar's Gate board. 5:57 PM

Re: In answer to

You've already invested $850 and for $1150 more, it will be in good shape, yes?

You still have to pay the $850 since he's done the work. Pay the $1150 and have the old car in good working shape...unless there is much more to be done
[more]

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Big funky green star, 20000 posts Top Favorite Fools Old School Fool
Board Posts 21984
Recs Received 29521
People who have rec'd these posts 1906
Recs to Posts Ratio (last 30 days) 4.50
Threads Started 2743
Threads Started Percentage 12.48 %
Most Frequent Board Ishtar's Gate
Very First Post Re: Example of a Spending Plan (1/6/2000)
Percentage of Posts Rec'd 38.95 %
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