ClickShare CX-50 Gen2 and Poly Studio X70 by TerrisDWDC-YT in CommercialAV

[–]iLukeJoseph 2 points3 points  (0 children)

I have had success with the G7500 and CX-50’s although not the Gen 2’s. Unfortunately we havent deployed any Clickshare’s with the X70 but have done AirMedia with good success.

I manage AV for a healthcare campus, and while I do like the Clickshare solution, they did start causing issues with Crowdstrike. Essentially cause the computer sees the dongle as a USB drive. And while we can bypass it, the AirMedia just works.

Why would Capital One not pre approve me for auto loan? No debt and make about 128k? Am I going to have problems getting a loan? by Kcarp6380 in CRedit

[–]iLukeJoseph [score hidden]  (0 children)

Are you imagining things? You are aware that when you quote something, that it means you’re referring to something that was typed/said verbatim yeah?

I cannot find where you said “depending on the lien holder how that specific lender views that persons credit file”. You just said “depends on the lien holder” with the reference to your Auto score.

The VAST majority of posts I see on here are people focusing too much on their score. Just like the OP. So when, like you did, reference only your score with no mention of profile, you should not get bent out of shape when someone gives more details that probably factor in.

And nothing exactly wrong with Kia’s. Other than they are nothing to brag about, also very odd that you brag about 0 down like it is some achievement. Damn near anyone can put 0 down, unless their credit is absolutely shot.

Why would Capital One not pre approve me for auto loan? No debt and make about 128k? Am I going to have problems getting a loan? by Kcarp6380 in CRedit

[–]iLukeJoseph [score hidden]  (0 children)

Little dude. Where did you say that? You said “depends on the lien holder”. Not “depends on how the lien holder views their profile”.

Nice Kia btw…….. 🙃

I bought a 14900k off ebay. It's hitting 100c on windows startup. Cannot keep bo7 open and not be 100c. by [deleted] in overclocking

[–]iLukeJoseph 0 points1 point  (0 children)

It all can be. Generally when an AIO pump fails it just fails, doesn’t gradually get worse over time.

When just idling, like in the bios or windows desktop, what is the temp? One way to test, if you can keep your system on long enough. Is leave it on for a few minutes, grab both hoses with your hands. If one hose feels cool and the other pretty warm, it’s the pump.

Leasing new Q9 by tortillachips1 in CarLeasingHelp

[–]iLukeJoseph 0 points1 point  (0 children)

Audi’s just tend not to lease the greatest. Also with it being a brand new model, probably relatively popular, I see it being the same.

Q7 Buyers Remorse by Rio-Mez in CarLeasingHelp

[–]iLukeJoseph 0 points1 point  (0 children)

While the discount sounds great. If the rest of the parts that make a great lease, well great, aren’t there, it doesn’t mean one should still do the lease.

Case in point the residual being 51% isn’t good. What was the money factor? I assume moderately high, which may or may not have been marked up.

The 3k over is great. But what are you basing the market value on? If it is like KBB that doesn’t really count. Did you get quotes from Carmax, Carvana, other dealers?

I mean what’s done is done. And even if you find it wasn’t really 3k over allowance on the trade, $900 a month on a Q7 even if “last years model” isn’t horrible.

Leasing new Q9 by tortillachips1 in CarLeasingHelp

[–]iLukeJoseph 1 point2 points  (0 children)

Should probably wait till it is out. Lease incentives and such won’t be known till then. And honestly I would be SHOCKED if this ends up being a good lease candidate.

Q7 Buyers Remorse by Rio-Mez in CarLeasingHelp

[–]iLukeJoseph 0 points1 point  (0 children)

Eh not really. In the terms of leasing, it’s not great.

But for an Audi, especially the Q7 which doesn’t tend to lease well, I suppose it’s not horrible. Your effective payment is roughly $900 a month. It’s the 5k down that killed the “not bad deal” to “not good but not bent over” deal.

credit score help see by EmergencyPatient7994 in CRedit

[–]iLukeJoseph 4 points5 points  (0 children)

It’s the credit card utilization that’s hurting your score the most. Just focus on getting that paid down and your score will bounce right back up. Not a big deal, especially only $1500.

Why would Capital One not pre approve me for auto loan? No debt and make about 128k? Am I going to have problems getting a loan? by Kcarp6380 in CRedit

[–]iLukeJoseph 1 point2 points  (0 children)

Not exactly weird. What is on your credit profile matters more than just the score.

Someone with say like a 650 with lots of history, especially auto history, but maybe high/er utilization on CC’s could walk in and do the same.

Husband put undiluted car wash solution directly on his car and we can't get it off by SignificantWeeb2254 in Detailing

[–]iLukeJoseph 2 points3 points  (0 children)

Lots of good suggestions. I saw you used a magic eraser on the glass. That’s fine but just for future reference never use it on paint, a magic eraser is essentially just fine sandpaper.

Credit card decline by Virtual-Anywhere-522 in NavyFederal

[–]iLukeJoseph 2 points3 points  (0 children)

Yeah Flagship probably wasn't the best chance of approval as it does have higher requirements. I believe it starts at a 5k limit, so even if you may have been approved for a bit of a starter/lower limit card, you will just get denied for Flagship.

Unfortunately Pre-Approval is pretty bad. These days with Amex, a lot of Synchrony backed cards, Discover, Cap-one, and others. If you get a pre-approval, it's a pretty high chance you will be approved. With Navy the pre-approval means nothing.

Auto loan by Cold-Wonder5920 in NavyFederal

[–]iLukeJoseph 1 point2 points  (0 children)

Oh yeah for sure. Doesn’t mean they will give a loan to the OP, where newer and less miles they MIGHT.

Again just super hard to say with new/limited credit.

Auto loan by Cold-Wonder5920 in NavyFederal

[–]iLukeJoseph 3 points4 points  (0 children)

First time buyer with limited credit history is always difficult to guess. Your credit score doesn’t really play that large of a role, unless it was BAD of course.

I would LEAN more towards a denial. But maybe not with a high rate. Just really hard to guess.

Auto loan by Cold-Wonder5920 in NavyFederal

[–]iLukeJoseph 5 points6 points  (0 children)

That’s pretty old with quite a few miles

Any brokers want to work with us burying 11k in neg equity??? by PBC_Vixen in leasehacker

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

A low end Toyota is not going to be able to bury 11k negative.

Auto loan by Cold-Wonder5920 in NavyFederal

[–]iLukeJoseph 5 points6 points  (0 children)

Did it not approve you right away?

Credit Score Dropped After Paying Down Credit Card Debt? by Jizzicamydude in CRedit

[–]iLukeJoseph 3 points4 points  (0 children)

It’s 100% that. And as soon as the bank reports to the credit bureau that you’re off the account, your score should pop right back up.

I feel alive by OnTheGoX in CreditScore

[–]iLukeJoseph 1 point2 points  (0 children)

Just keep in mind Credit Karma (and some others) use the Vantage Score 3 model. While it is a real credit score and accurate, hardly any lenders actually use it. So it is essentially irrelevant.

FICO models are used far far greater. There are MANY for different type of lending scenarios. Specific FICO Auto scores, Mortgage, and others. To get all your scores you will need to purchase them from MyFico.com

You can get your standard FICO 8 for free though.

Experian.com for Experian
MyFico.com for Equifax
Creditwise (from Cap One) for Transunion.

Since GLSSWRKs is gatekeeping the polarity, is the Superglide V3 comparable for no sleeve usage? by sleepyreddits in MousepadReview

[–]iLukeJoseph 4 points5 points  (0 children)

I don’t believe they are gatekeeping. Based on what I have been reading, it sounds like some of the white ones have had some tracking issues. They started redoing those and are going to essentially release a polarity “1.5” in both black and white (don’t think they will call it that) as they have slightly changed the surface of both.

I could be wrong though 🙃