The banking industry has me wanting to choke a b1tch out.

[stretch]

Damn. Here I am freaking out because I'm 1,300 in debt.

dumbass

[Soul_Patch]

I always laugh at the fact that we own 2 credit cards, one we have a 9k limit on, and have been carrying around a 3k balance on it forever (dumb, but it seems like every time we pay it nearly off, it runs back up). The other is a 800 dollar travel card we use specifically for work travel and it gets charged up and paid off as soon as we get our reimbursement from work.

We have taken probably 5 to 10 cheap (0 interest) loans from RBFCU over the past 7 years to do various things, ammounts from 2k to 6k and usually pay them off in about 8 months or less. We do not have any currently.

Yet we go to best buy and try and take advantage of some special credit thing they had going on, which would save a lot of money buying my wife a laptop, and we get turned down for a Best Buy card. W T F?

reason for denial - Too many recent inquiries

lol...F them...we bought a laptop elsewhere cash.

[ploto]

I'm working through a construction loan right now and its a ing nightmare. 6 weeks just to get an appraisal. ing insane.

Know someone who went through the same nightmare recently. They already own a home outright. It had a fifteen-year mortgage, and they paid it off without ever a late payment. They are now building a new home on a piece of land they own. Both have been at their jobs 20 years. The hoops they had to jump through just to get the loan were crazy!! One ins ution kept changing what it required, thinking they would not meet the next new criteria they dreamed up.

[Bigzax]

if you want to choke a , choke a .

[Leetonidas]

dumbass

I guess freaking out is too strong a word, more like stressing. But anyways, you.

[pkbpkb81]

I use to sale cars now i work for one of the banks doing mortgage mods ( cool ass job i get to trave the country to do it) anyway that sucks cause i see people everyday in home loans they should have never gotten in and when i sold cars that guy would have been a dream brrower

[exstatic]

The rules have changed in the last 18 months. What made sense to banks then absolutely does not now. The fundamentals of the change are this: then, they were looking for reasons to lend; now, they're looking for reasons to decline.