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Posts
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Everything posted by DannyB215
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He won't....
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I'll post some closer and some side views when I'm at the range...
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Fairway, 255....but yes I do play a fade..
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Critique it, laugh at it, whatever you want...I'm open...
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IT's OFFICIAL!!! I'm MOVINGTO TAMPA!!!!!!!
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Ok, I guess I'll start by saying that I'll be looking to stay out of the St. Pete/Clearwater area I believe (From what I've heard they're fairly expensive). I've heard good things about towns like Ruskin, Brandon, Riverview, (to the south) to Land O' Lakes, Wesley Chapel, Lutz (to the North). I will be working from home, so it does not matter where I will be living, and I do have a fairly large area to select from, so I guess I'd want to pick 2/3 areas where I know that, from others' experiences, I'd want to live in and I'd want to bring my family to. I am trying to save up to buy a house, so I'm working with a realtor to find an apartment that's under $750/month, which should be easy to do.
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Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
I'm not..Im actually going to be renting and will be saving up and fixing my credit report while I rent...Smartypants :) -
Yes, please, I need more of an update on what areas I should seriously consider.
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I actually use FootJoy's RainGrip. Great grip at all times, and very comfortable!! I'm willing to try new ones though.
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Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
You assume correctly. I will be needing assistance as I'm not sure where the good courses are down there. -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
So I have finally decided to move to Tampa. And spoke with a few mortgage brokes who took a look at my credit report, and all said I Was doiing the right things and could own a house within a year or less. I am going to sign a lease with an apartment complex, and go from there!! Thanks to everyone who put in their advice, I can honestly tell you that everyone's advice helped, and this experience changed me as a person. All I think about now is how I can get financially debt free and live a better life with my family, so thanks to everyone. -
Loving the 2.0 Taylormade Irons!!!
DannyB215 replied to plasma327's topic in Clubs, Grips, Shafts, Fitting
That's why I'm advising you to get fitted. I got fitted for the Mizunos and even though I hit them great, I got fitted for a tour pro shaft, and I was miserable for 3-5 rounds of play. Finally , I gave up, tried the 2.0's and with their stock Stiff shaft, was killing them. I hit a 5 iron 198 yards today, which is ridiculous for me. I'm loving them more and more as I get used to them, but I definitely won't take anything away from the Mizuno's, I just felt like Golfsmith didn't want to help me get them re-fitted, so I decided to go with my second choice, the 2.0's. So glad I Switched!!! They added an extra .25" to the clubs, and I can't tell you how much that affected my game in a negative way. Now I definitely know what I need, but Im going to keep these 2.0's for a while now. -
Loving the 2.0 Taylormade Irons!!!
DannyB215 replied to plasma327's topic in Clubs, Grips, Shafts, Fitting
I switched from the JPX 800's to these, and the 2.0's are much much better for me, make sure you definitely get fitted!!!! -
Tiger Woods PGA Tour 2012 To Feature Augusta National
DannyB215 replied to Bo the Golfer's topic in Golf Talk
I'm hooked on this game!!!! Anyone play online yet? I've been trying to get my player better before I play online... -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
Some thought I meant that I needed debt relief or debt counseling, which I don't. What I was talking about is credit repair, which yes, I can do myself, but with the schedule I have it's very tough to manage that into my personal time. If you read my last post, I totally agreed with NewtoGolf where he said I should try to get prequalified for an FHA loan and then figure out what I have to do from there. I definitely wish I would've navigated my credit a little bit better, but hey, do you know my story? Nah, so I suggest you save your time posting stuff like that to increase your post count, without knowing exactly what the other person's circumstances have been. I obviously care, and am asking for advice, and I took everyone's post seriously, as this is a very serious matter to me. -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
Very true, I do agree with you. I will definitely do that once I know what the heck is going to happen at work. I have a meeting on Tuesday and we will decide what the next step is from there once I visit the area. -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
I think you're getting me wrong. I have only one credit card that I owe now, that's the one and only item I have in collections. It is a 10k credit card that I maxed out and I'm down to 4k and going, but went to collections in the process. Everything else is negative because I was not smart enough to make payments ontime every month and some were settled because I couldn't afford the full balance, but it stayed on my credit report. I think these companies do help those negative things come off your report, which is what is dragging down my score. There would be no companies to contact, because I'm already paying off the collection item. I would want that company to remove those negative items that are lingering on my report. -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
WEll, let's just say I had a ton of credit cards, that went to collections, and I actually pretty much had to settle with most of them. I have negative things like late payments and I only have one account still in collections. Everything else and all my lines of credit have a low balance, paid on time every month, and I only have those negative things from the past that I'm waiting on them to fall off my credit report. Why not try to get a company to help me out then?!? -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
Yes, these companies are legit, and do exactly what you told me to do myself, and they guarantee results or full money bank. I searched only the ones that have a perfect BBB rating, so I am still willing to give them a shot. TBH, I've never dealt with credit card companies before or collection agencies, so I wouldn't know how to go about it. Thankfully I have a ton of friends at church who are very very helpful and know the right thing to do, so I also plan to ask them for help. I do believe with my credit score on the way up I will get a loan, but YES you're all right, I will mostly have to pay a very high interest rate, but still can re-finance in about a year as long as my credit continues to go up. I didn't have these two $300 limit credit cards two years ago, so I decided to get them and make sure I'm never late on them and keep a low balance, which btw is VERY tough on a card that has such a low limit. Thanks everyone for your comments and advice! -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
Totally, I've heard from some professionals yes and no about the score, but hey, I actually am planning on signing up with a credit repair company that will remove negative items from my credit report in 60 days guaranteed, so I will definitely do that and it should shoot up into the mid 600's in a month or two. -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
585 is my current Fico score. I do have a savings account specifically for this purpose of buying, so I will be draining everything, or almost everything to put a down payment. I hear you on that one I've been trying to get my credit report untouched for the past year or so, it has helped! I used to have a 530 credit score about a year ago! -
Need credit repair, possibly moving to Florida soon..
DannyB215 replied to DannyB215's topic in The Grill Room
1. I have 4 open lines of credit. Three credit cards (2 personal with only $300 limits which I won't spend more than $100 on, 1 work credit card only used for expenses). 2. No store credit cards 3. Answered in question 1. 4. The only collection I have is a few years old, I think since 07-08. I am planning on just settling it and getting rid of it. 5. I have been renting for the past two years, yes. 6. I have a job transfer and I will be making twice the median salary in Tampa, which is 34, something.... I don't really use credit right now because I know that I won't get approved for much, and I know that I would want to buy a house in the near future. I heard FHA will approve me, plus I have about $15,000 right now to put down on a house which I have saved throughout my life. So hopefully that will help, saw a 2,000 sq. foot house 4 bed 2 bath for 90k, so I cant wait to move! I'm sure I would get approved for a $75k loan. -
Right now I have a 585 credit score because of a very irresponsible youth and currently I have only one account in collections I am currently paying off, and all of my current lines of credit (4) are caught up, paid on time every month for the past 6 months, and I am looking to see if I can get my credit up another 30-40 points in the next few months (went up 35 pts since July because of this). I'm looking to possibly buy a house in Florida since the market is so great, but I'm afraid I will get laughed at by the banks. I actually have 9 accounts that were in collections but that are currently showing up as "negative" on my credit report, which I'm sure that they are bringing that score down significantly. Anyone know of any legitimate companies, or any other type of help that I could seek? Please help!!