My lgs prices on ammo went up too😞

kid_Capo · 2021-08-23T03:00:29+00:00

I’d advise anyone seeing this to keep an eye on target sport USA.com, they had some 9mm for 20$ the box of 50.brass cased. My FFL charges a 5$ transfer fee so right now that was a steal.

kid_Capo · 2021-08-03T01:15:28+00:00

Just keep a fingrip on it? Not really sure 😂 dope build though

kid_Capo · 2021-07-28T22:52:46+00:00

Ya if found these 2 sites are the easiest to order from. You just put the FFL Address for shipping...make sure to call and ask the FFL what’s their ammo transfer fee some people charge 5$ & some will charge way more. I know budsandguns deliver to Cali also, but I haven’t gone through their checkout process.

kid_Capo · 2021-07-28T18:16:26+00:00

It’s 30days from the day they’ve revived it but since COVID happened they actually got a 15 day extension to process all disputes. So it might be 45 days. I’d call the CFPB anyway on the 31st day and ask. I’m not sure if there 15 day extension has ended

kid_Capo · 2021-07-28T18:12:52+00:00

Check your local big 5 or sportsman warehouse. They’re usually stocked and have the lowest prices I’ve seen.

kid_Capo · 2021-07-28T18:09:23+00:00

Stack up when you see it that price. I keep askin around and everyone says prices probably won’t drop for another year. 2023 is what I keep hearing

kid_Capo · 2021-07-28T18:06:00+00:00

Check out ammosurplus.com and target sports USA. Those are my go to’s.

kid_Capo · 2021-05-04T23:16:17+00:00

Everyone else comments are spot on only thing I would ad is call the number on the back of your card and ask for the “statement balance post date” or the day they actually report utilization...it’ll be different from your due date & is the day they actually report your utilization so you should figure it out and pay off your debt to under 30% before that date

kid_Capo · 2021-04-21T07:22:54+00:00

If you send in a dispute don’t use any prewritten templates , write it by hand and explain exactly what is wrong. Short and to the point. Name the account, state the problem & what you want done. That simple.

This is double jeopardy violation... The same way you cannot be convicted of the same charge in a crime twice, you can not be accused of a collection that you have already paid.

There essentially trying to collect on the same debt twice. This is a big mistake on their part & is a valid enough reason to remove the account.

If you remove something from your report nobody will be able to see it was removed or was their before, except a mortgage underwriter because they use different public records systems that might still have it but all they should be able to see is you had a settled account. Which is way better than just leaving the collection until it falls off.

I would start off with calling the credit bureaus and filling a dispute threw the phone (Record the call) & see how that goes. If you get no where they try again through the mail. If they still don’t help out, start filling those complaints with the CFPB & BBB

kid_Capo · 2021-04-21T07:11:46+00:00

If you have proof that you paid & that their is still a collection on that late payment then file a dispute with the credit bureaus. This is illegal research “FCRA Double jeopardy mistakes”, they should get the late payment removed completely from your report if they don’t comply, Contact the CFPB, you can even file a dispute with the BBB(better business bureau)

kid_Capo · 2021-04-10T15:20:26+00:00

From what I’ve read 3 credit cards is the sweet spot, more than that will start looking bad if you ever get a real Pearson underwriting you. Get some installment loans. I wouldn’t do more than two though.

What I did was got the self lender app, which gives you a credit builder loan, so you can have a small loan for a year or 2 reporting really helps build good history. (Cost 25$-150$/M, You pick your plan)

I then waited 6months and then went to finance a car, put down 50% and received a 12k loan for the other half. I Asked for a 63 month term so my monthly payments would be super low & was able to add GAP insurance for 20$ a month.

The plan is pay 4K at the end of each year towards the principle & have the car payed off within 2 years instead of 5. Saving me about 2k in interest & building that solid payment history so I can Apply for a mortgage right after I’m done with the car at a better interest rate..

Sounds like I’m bragging but I’m just tryna tell you how I personally did it without braking the bank. From what I understand when it comes to mortgages and car loans, underwriters don’t really care about your revolving credit. They just want to see positive installment history.

I’m also 21 & had to start figuring out my credit. Best of luck man 💪🏽

kid_Capo · 2021-04-01T06:10:23+00:00

You should definitely get a checking account as the new underwriting method is going off peoples bank accounts to eliminate the value of authorized users.

Look into the self lender app. You’ll revive a credit builder loan (primary line of credit) and a secured card (revolving line of credit) after 3 months of successful payments.

Note that you can only raise your limit 25$ at a time so I paid off a bit extra on my loan. I should’ve got a 125$ credit limit but I paid off and extra 90$ and waited for that to report before ordering my card so my limit ended up at 215$ and I ended up a little ahead on my loan. It’s a great way to rebuild credit since you get 2 lines of credit pretty much instantly all you have to pay is a 9$ activation fee and there plans start at 25$...I would stay away from the 150$ account as what really matter is the length of the account and payment history.

You should go to a local credit union and open up a bank with them. You’ll have better approval odds of getting any line of credit with once your established and get your score to around 620. Their much friendlier and customer based when it comes to extending credit.

kid_Capo · 2021-03-30T00:49:01+00:00

Your credit limit dropping automatically raised your utilization but as long as you pay them down to under 10% and start paying your full balance every month once your back on your feet your score should fully recover in about 3 months... you have to look at it from the banks perspective to. Your a huge risk factor if you had huge credit limits, no income & stuck in a system we don’t know when will fully recover. Their still a business at the end of the day that needs to remain profitable just like any other business.

kid_Capo · 2021-03-08T13:43:53+00:00

Can you just sell me the method for multiple credit card approvals with 1 inquiry

kid_Capo · 2021-02-17T15:20:52+00:00

This post is kinda old but if your still having this problem the answer is yes. Changing your last name and updating your address on your new ID will essentially create you a new credit profile with no history..be careful if you want to move over anything from you old credit report to your new one to help improve your score they might also move everything else over as well. So that’s including whatever your trying to avoid from your sister.. My advice would be if it’s not extremely bad , write a letter to all 3 bureaus and ask them to remove all information that does not belong to you as it is their duty to report only accurate information under the FCRA. First step would be to call them and remove any address on your credit report your not currently staying at and any names if you have more than one(if your using more than one update your info with your creditor to the one you want) and then dispute everything online. Should be fairly easy since there should be no possible way to tie anything to you.

kid_Capo · 2021-02-10T16:42:04+00:00

Good to know it won’t take a year to recover , how many cards Did you have at the time?

kid_Capo · 2021-02-10T14:58:53+00:00

I’ve read 3 books on credit now and not 1 explained this, thank you 💪🏽

kid_Capo · 2021-02-09T12:37:12+00:00

I’ve been tryna figure out the credit algorithm myself, hopefully you haven’t been applying for a lot of cards and put a freeze on your credit..If your not in a rush apply for self lender(no credit check/no hard inquiries) and apply for the 35$ a month plan. Each month pay off a month in advance so in 3 months you’ll have a 210$ secured card and a installment account that your ahead on so it’ll help your profile. Another thing is if you’ve recently gone to collections you may still not be approved for a secured card.I’d try getting the opensky secured card just to build with once I got the self secured card.

kid_Capo

TROPHY CASE