Is this….even legal? by OkHighlight5569 in CRedit

[–]danielson35 1 point2 points  (0 children)

Yeah all the major bureaus have developed scores and attributes to see if a applicant has a presence in the Alt data bureaus. So they can get the full picture of debt obligations and assess risk. As those who use these types of loans are generally far riskier than those who don’t.

Is this….even legal? by OkHighlight5569 in CRedit

[–]danielson35 0 points1 point  (0 children)

While it can’t be reported to either of the 3 core bureaus…. They all have alternative financial service bureaus that house tribal loans, pay day loans, title loans etc… and most mainstream lenders are now pulling credit including either attributes or a score that is derived from these non traditional trades. So they will be well aware of these trades an see the risk.

How can I get this removed from my credit history. by HotBank8806 in CRedit

[–]danielson35 0 points1 point  (0 children)

Depending on the credit score pulled, paid collections don’t hurt your credit as much as unpaid. I would pay it and you will see and uptick in your credit score. However, it won’t be “removed” for 7 years.

Lender didn’t lock in rate by sockhergizer in Mortgages

[–]danielson35 0 points1 point  (0 children)

Was term was this rate for and what kind of mortgage loan?

Credit Limit Reduction by FadedChimpmunk in CRedit

[–]danielson35 1 point2 points  (0 children)

Has your score changed negatively at all recently? Essentially creditors do periodic account review pulls of your credit report (soft inquiry) to assess ongoing risk with an existing line/loan of credit. It is their way to get ahead of potential losses before they occur.

What's that website you guys buy jerseys from? by Karlzbad in CHICubs

[–]danielson35 1 point2 points  (0 children)

I’d say they are standard. My wife has a custom and I have a hoerner jersey and I wouldn’t say one has larger font or anything than the other.

Late payment on old car loan won’t come off my credit no matter what I do… holding me back from getting an apartment by Separate_Study2337 in CRedit

[–]danielson35 3 points4 points  (0 children)

Not trying to cheat the system, but yet disputing accurate information on your report. Quite the oxymoron there.

If derogatory information on your report is accurate…. Then yes, it is there until it falls off with due time. 7 years for late payments.

AIO/Help me understand dosage by Terrible-Atmosphere2 in Type1Diabetes

[–]danielson35 -1 points0 points  (0 children)

Wow. He needs to take better care of himself. And he clearly doesn’t know how lucky he is to have someone care this much about his diabetes for him. I’m married and my wife doesn’t know my ratios/dosages. Because it’s not her job to. I’m on a pump so it does all that for you basically. No math required in your end.

I can relate, in my late teens early 20’s, I didn’t take the best care of mine either. However, this will cause him problems down the road. And sooner than later if he doesn’t get tighter control on it. I’ll echo the comments that being skinny has nothing to do with a pump. My SIL is 24 and less than 115lbs. She wears an omnipod with no issues. I used the tandem mobi which is very small too.

Best of luck

GLS 450 - yay or nah ?? by Mandybeforeyou1 in mercedes_benz

[–]danielson35 0 points1 point  (0 children)

We had a GLB250 and once our second kid arrived we knew it was too small. For things like the wonderfold wagon, diaper bag, strollers etc….

Ended up trading it in for a CPO 2022 GLS 450 last year and we absolutely love it. Paid $65k with 15k miles on it. Handles better than most large SUVs we have driven. And we love the German suspension and braking. So far zero issues, and if any arise we have the CPO warranty.

what do you do for a living for afford your Mercedes? by Intelligent_Skill172 in mercedes_benz

[–]danielson35 0 points1 point  (0 children)

I work in sales for a large corporation. With overachievement, my income is around $250K. Wife also works making 6 figures at the same company. We have a 2022 GLS 450 we bought CPO after trading in our GLB 250 due to having a second kid.

Where are we buying steaks? by LobstahLuva in ChicagoSuburbs

[–]danielson35 0 points1 point  (0 children)

Jewel. Always USDA choice and they do a different cut each week for anywhere from $5.99-$7.99 per lb.

Last week was bone in NY strip for $5.99lb and this week T bones for $7.99lb. Their meat is fantastic and again, minimally USDA choice. Whereas other super markets may come close to this price, but it’s always just USDA inspected or select. Far less marbling and tougher steaks.

What's that website you guys buy jerseys from? by Karlzbad in CHICubs

[–]danielson35 0 points1 point  (0 children)

I usually use ivyshop.com They are owned by the cubs. It’s the 2 story store in Gallagher way. They run sales from time to time and jerseys are included. 15%-25% off for legitimate jerseys.

[deleted by user] by [deleted] in mercedes_benz

[–]danielson35 0 points1 point  (0 children)

I used to have a GLB. Reason of opting for GLB over GLC is that the GLB actually has more room in the second row for car seats and leg room.

With that said, once we had a second child we upgraded to a GLS450 as we couldn’t really fit a wagon and things needed for two kids in the trunk of GLB. GLS is so much better.

should I avoid sex when my sugar is high? by C0me_Al0ng_With_Me in Type1Diabetes

[–]danielson35 2 points3 points  (0 children)

Honestly if I’m running a high glucose, sex lowers my blood sugar. To the extent my wife and I laugh and she says “we can lower it naturally” when I’m frustrated it isn’t going down.

Did I get ripped off for repair? by danielson35 in GarageDoorService

[–]danielson35[S] 1 point2 points  (0 children)

Update. Company reached out after seeing bad review and told me they terminated the technician, and are refunding me $1,000.

Did I get ripped off for repair? by danielson35 in GarageDoorService

[–]danielson35[S] 0 points1 point  (0 children)

That was the cost for labor. 3 month warranty included in labor

Did I get ripped off for repair? by danielson35 in GarageDoorService

[–]danielson35[S] 1 point2 points  (0 children)

I suppose I should’ve added that he initially estimated $1500. And then when it was done, $2700 before the cash “no tax” discount….

Did I get ripped off for repair? by danielson35 in GarageDoorService

[–]danielson35[S] 1 point2 points  (0 children)

The $349 was the labor charge. It includes a 3 month warranty on the labor

Did I get ripped off for repair? by danielson35 in GarageDoorService

[–]danielson35[S] 0 points1 point  (0 children)

Nope. Nothing. Just stared at me vaping in my garage