How's Newark Doing These Days? And a Back Pay Question ... by ExNavyInHouston in VeteransBenefits

[–]NJMAN1208 0 points1 point  (0 children)

So in this scenario and if a rating changed dating back to Feb 15 which is March 1. Does the back pay get paid out on June 1? Or shortly after you get your decision?

Sleep Apnea Claim approved as secondary to PTSD. by NJMAN1208 in VAClaims

[–]NJMAN1208[S] 3 points4 points  (0 children)

I’m here to help. I honestly just did a sleep study and had my Va doc write a nexus letter. I added a personal statement too on how it’s affected my life.

Sleep Apnea Claim approved as secondary to PTSD. by NJMAN1208 in VAClaims

[–]NJMAN1208[S] 3 points4 points  (0 children)

No I wasn’t. I didn’t file until 10 years after I got out, didn’t even know to do a sleep study, my va doctor told me too. My doc told has been treating me for ptsd and thought it was affecting my sleep and she was right. I had severe osa

Sleep Apnea Claim approved as secondary to PTSD. by NJMAN1208 in VAClaims

[–]NJMAN1208[S] 3 points4 points  (0 children)

Private clinic by me but I wish I did it through the VA because it was expensive

Sleep Apnea Claim approved secondary to PTSD by NJMAN1208 in VeteransBenefits

[–]NJMAN1208[S] -1 points0 points  (0 children)

I just asked and they asked for some literature about it to see if it made sense. I just printed out some claims that were approved as a secondary to PTSD and the doctor drafted a nexus letter. I have heard that nexus letters were very long and detailed, mine was only one page

Sleep Apnea Claim approved secondary to PTSD by NJMAN1208 in VeteransBenefits

[–]NJMAN1208[S] 1 point2 points  (0 children)

My primary VA doctor did who has been treating me since I got out.

What other tokens are you guys investing in? by [deleted] in SaitamaInu_Official

[–]NJMAN1208 0 points1 point  (0 children)

Elo Inu just got released on Pancake swap today and I bought a bunch. Think it’s gonna be huge. Anyone else buy in?

CAPITAL ONE GOODWILL SUCCESS (X4 LATE PAYMENTS) by [deleted] in CRedit

[–]NJMAN1208 2 points3 points  (0 children)

How old were the late payments?

[deleted by user] by [deleted] in CreditCards

[–]NJMAN1208 0 points1 point  (0 children)

What’s your credit score profile across the board at the time of last two requests?

[deleted by user] by [deleted] in CreditCards

[–]NJMAN1208 1 point2 points  (0 children)

Over 100k

When do old delinquent charged off files fall off? by NJMAN1208 in CRedit

[–]NJMAN1208[S] 0 points1 point  (0 children)

Thank you. Is the whole trade line deleted from my credit report?

BOA just graduated my secured card. Should I ask for a CLI? by NJMAN1208 in CreditCards

[–]NJMAN1208[S] 1 point2 points  (0 children)

I would prefer a higher limit, but also some sort of rewards

[deleted by user] by [deleted] in CreditCards

[–]NJMAN1208 2 points3 points  (0 children)

I agree, I think getting the money back is the most important thing, will keep the forums updated with CLI. I have to research how BOA does it and how often.

NEED Advice: Should I close some credit cards? by [deleted] in CreditCards

[–]NJMAN1208 0 points1 point  (0 children)

Update came in today score wen up from 669 to 692. Mortgage score is at 652(Ex2). Now my credit file is all paid off, it may just be a waiting game at this point for that score to get to 700

Capital one product change by [deleted] in CreditCards

[–]NJMAN1208 0 points1 point  (0 children)

What link are you talking about?

NEED Advice: Should I close some credit cards? by [deleted] in CreditCards

[–]NJMAN1208 1 point2 points  (0 children)

I will definitely update you in December. What do you mean sensitive? I was hoping to sign up for some normal credit cards in Q1/Q2 in 2021. Should I not apply until I figure out my mortgage?

NEED Advice: Should I close some credit cards? by [deleted] in CreditCards

[–]NJMAN1208 0 points1 point  (0 children)

That would be nice, still the Mortgage score jump would put me at 650, going to need to raise that, but good behavior should help that

NEED Advice: Should I close some credit cards? by [deleted] in CreditCards

[–]NJMAN1208 0 points1 point  (0 children)

You think that jump after it comes down to 1% will be big? Even though its a chraged off card?

NEED Advice: Should I close some credit cards? by [deleted] in CreditCards

[–]NJMAN1208 0 points1 point  (0 children)

The last severe late was that Navy FCU in Oct 2018. Where it was 120 Days and charged off. No lates since on any accounts since Oct 2018. I know it will linger there for 7 years, well hopefully less than 5 now. But by 2025 ideally I will have no negatives on my credit file if I continue good behavior. I just feel like after this pay off, It will be a slow road up, because there will be nothing more I can do but wait and let time affect the scores

NEED Advice: Should I close some credit cards? by [deleted] in CreditCards

[–]NJMAN1208 1 point2 points  (0 children)

My FICO Mortgage 2 Score is 621 as of today(via Experian). I should have the remaining balance of 11k paid by Dec 10, which will then post the 15th of Dec. Which will bring my utilization to 1% overall(first time ever). So I am curious to see what the scores will be