All Forum Posts by: Lana G.

Trenton (and Newark)!! ;)

Christian Swalm I hear great things about appfolio with the caveat that if you're on the low to middle end in size that it might not be worth the price tag, comparable to other softwares out there. I don't personally use it but have only had a few discussions with others specific to it. I have tried the interface and it's functional; simplistic (read: easy to use), not a lot of bells nor whistles which is good if you're trying to bring up the grading curve in certain areas where cash/money orders/ mail payments are still the primary methods. That's all you're gonna get for two cents :)

Nope, accounts "closed in good standing" or paid in full are generally noted 30-60 days after the actual event and can remain on your credit for up to 10 years (although the rule of thumb is 7 for all items, even positives) 

The 7 year rule applies to all credit items and begins at last activity (including payoff/ account closing). So you'll be just fine if you pay off today. It's not going anywhere for quite some time.

Interesting SM color links at the bottom but overall functional and straight forward. I like it. 

Appfolio is popular in my area. I haven't used so this isn't truly a recommendation but feel free to look into it.

Had you met this guy in person? Have you gotten your money back? Sounds like this guy never intended to rent to you and has stolen your money. Not sure what you're going to be able to do about it but perhaps consult an attorney. If you do get the money back, then don't worry about the rest, it's not important.

Welcome John Te. Coming to BP is a wonderful step! If you're ever looking in trenton/ philly, be sure to say Hi!

Hi Brittany, lease options are a great work around. You might also want to just work through your DTI situation. That's what I did and although it takes some patience, I promise it's a weight lifted. Are you thinking of going the way of FHA financing? Since last summer (I believe) FHA now uses a 1% blanket method for student loan debt : 1% of your total balance (regardless of your monthly payment). For most people that have attended via regular means will have upwards of 50k or 500/mo. If you have a car payment on top of that and are making 50k out of college your DTI is automatically out of whack from just those two. But you could consider refinancing the car, negotiating credit cards, etc. You could also try crowd funding and hitting up the auctions in your area. You may be able to build a team of like minded friends/ art colleagues to go in with you and house hack a dope a** art space! Cash is king so get creative. Especially since you're new to the game you'll come up with ideas while you're learning about other stuff.

Nope. Even if they don't doctor the docs, credit karma uses a proprietary method for determining score (called vantage). The numbers aren't even remotely comparable to the bureaus. Plus they use only TU and Experian, with no parts from equifax or innovis. So you'd only be getting a fragmented snapshot at best. Credit pulling is part of the process, they must know that. And determining who and how and when your credit is run is part of their consumer responsibility. If they don't want to have their credit investigated they should sit this one out.