A new member, somewhat on right track but need your experience to help me!!

Hi Folks!! I am here just like most of you are...to rebuild my credit. Here is a little bit of back ground.
I am 23 now and got my first credit card at 18 not knowing anything about credit. Just like most of the teen agers, i got 3-4 credit cards. Maxed out blah blah. I got into an accident, thought I paid all the medical bills. 7 months later i found i forgot one. It had gone to collections. At that point, i was dumb, i stopped paying for everything.  3 years later, i realized I need to grow up and get a better score. Paid of most of the collections in full and some settled. A few of them actually took it completely off my credit so its gone now. Credit score went from 460 something average to about 560 for experiean, 642 transunion and 642 Equifax based on Credit Karma.
Got an account with a very reputable credit union California Coast Credit union and also Navy Federal. Opened the following accounts based on my sitaution and how much I know about credit now. 
CapOne: $500 secure card as soon as I paid off the collections.
CapOne : $500 regular card offered after 3-4 months of regualr payments.
California Coast: $1000 Secure Installment Loan. Navy Federal: $2900 credit card offered when i joined, accepted it. 
Navy Federal: $14000 credit card cosigned with my parent.
Navy Federal: $27k auto Loan cosigned with mom and another $12k loan cosgined which are both actually my own cars. Just refinanced them now under my name too.
Income at the moment is about 60-70k. I am making sure i keep the total balance on credit cards under 30%. Now my questions are.
What tips can you guys give me? 
Do i have to keep balance under 10-30% at all times or can I pay them off at the end of the month? Can the balance be liek 40-50% mid month and be paid off at the end of the month? This way i can charge everything to credit card instead of debit and pay at the end. 
What happens if i pay off the installment loan ahead of time? Does it hurt me or benifit me?
Is cosigner as good of an imapct as being the main owner on CC or Car loan? 
I have heard that i need to make 13 on time payments to be able to get a huge boost in my credit via auto/installment loan, Is that true? What if i sell the car before that and pay it off? 
Thank you very much!!! 

thatslowkid wrote:
Hi Folks!! I am here just like most of you are...to rebuild my credit. Here is a little bit of back ground.
I am 23 now and got my first credit card at 18 not knowing anything about credit. Just like most of the teen agers, i got 3-4 credit cards. Maxed out blah blah. I got into an accident, thought I paid all the medical bills. 7 months later i found i forgot one. It had gone to collections. At that point, i was dumb, i stopped paying for everything.  3 years later, i realized I need to grow up and get a better score. Paid of most of the collections in full and some settled. A few of them actually took it completely off my credit so its gone now. Credit score went from 460 something average to about 560 for experiean, 642 transunion and 642 Equifax based on Credit Karma.
Got an account with a very reputable credit union California Coast Credit union and also Navy Federal. Opened the following accounts based on my sitaution and how much I know about credit now. 
CapOne: $500 secure card as soon as I paid off the collections.
CapOne : $500 regular card offered after 3-4 months of regualr payments.
California Coast: $1000 Secure Installment Loan. Navy Federal: $2900 credit card offered when i joined, accepted it. 
Navy Federal: $14000 credit card cosigned with my parent.
Navy Federal: $27k auto Loan cosigned with mom and another $12k loan cosgined which are both actually my own cars. Just refinanced them now under my name too.
Income at the moment is about 60-70k. I am making sure i keep the total balance on credit cards under 30%. Now my questions are.
What tips can you guys give me? 
Do i have to keep balance under 10-30% at all times or can I pay them off at the end of the month? Can the balance be liek 40-50% mid month and be paid off at the end of the month? This way i can charge everything to credit card instead of debit and pay at the end. 
What happens if i pay off the installment loan ahead of time? Does it hurt me or benifit me?
Is cosigner as good of an imapct as being the main owner on CC or Car loan? 
I have heard that i need to make 13 on time payments to be able to get a huge boost in my credit via auto/installment loan, Is that true? What if i sell the car before that and pay it off? 
Thank you very much!!! Since you have an auto loan, the additional secured loan does not help your FICO scores. Pay it off and use that 1K for your emergency saving fund. You only need one installment loan for the credit mix portion of your scores. You could close the secured Cap One card and get a QS1 card in its place.

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    201216      11491      677336      10939      666769      12846      682544       9708      688082
    201217       9737      687073       9611      676380       7244      689788      10943      699025
    201218       9024      696097      11286      687666      10033      699821      10314      709339
    201219       9851      705948       9851      697517       9159      708980       9917      719256
    201220       7785      713733      10490      708007       8534      717514       8528      727784
    201221      11107      724840       8197      716204       8926      726440      10834      738618
    201222       8093      732933      11853      728057      11697      738137      10081      748699
    201223       9371      742304      10796      738853      11068      749205       9904      758603
    201224      10600      752904       8487      747340      10838      760043       8009      766612
    201225      11090      763994       9595      756935      10736      770779       9387      775999
    201226       8234      772228      12759      769694       9119      779898       8422      784421
    201227       9738      781966       9383      779077       8978      788876      11635      796056
    201228      11687      793653      10302      789379       9459      798335      10608      806664
    201229       9245      802898      11290      800669                 798335                 806664
    82 rows selected

  • I downloaded a new itunes card for $25.00 but it did not register

    I downloaded a new itunes card for $25.00 but it did not register help!

    The amount is already credited to your account. Purchase something and it will use this balance.

  • New to the World Mac and I need help with the internet?

    Hi All,
    I've purchased a second hand eMac from a local College last summer and I've finally got around to connecting it to the internet (after 20 + years of working and using PCs). All is great or I thought???
    There is a few problems that I still encountered and hopefully someone can help?
    The spec of the Mac is 1 GHz PowerPC G4 (768 MB SDRAM) running Mac OS X Vers. 10.3.9.
    For the internet I connect via Safari 1.3.2 (v312.6). However, I cannot access Hotmail, selected sites outside of the UK and also when I go into Facebook the interface (layout) is a mess and I can't access various options available. I tried to download Safari 4.0.4. for SnowLeopard, but it won't allow it as I don't have the Billings of Materials?
    Does anyone know how I can resolve the above or point me in the correct direction.
    Many thanks in advance, JJ

    Welcome to the Apple Discussions!
    Version 1.x of Safari is old in Internet years, and many sites using advanced coding (or non-standard coding) won't render properly. Later browser versions have more support for the non-standard HTML that for instance MS webpage programs generate as well as support for more recent authoring tools. Which is a long-winded way of saying you're on the right track, you need to update your browser.
    The later versions of Safari require OS X 10.4 or later. Your eMac can be upgraded to 10.4 or 10.5, but it'll be easier to first try a free third-party browser such as Firefox or Camino or Opera (Version Tracker and MacUpdate are good links to start from when looking for software and updates).
    Note: moving among different browsers on different platforms, I can confirm that it's all too common for sites to render differently, with layouts off from a little to a lot.
    As for being blocked from non-UK sites and Hotmail, if that still crops up with Firefox, check to see if the school that sold you the computer had proxy servers set yp that might be blocking some sites. You can also go to Apple menu, System Preferences, show built-in Ethernet or Airport depending on which one you use, click on the Proxies tab, and see if anything is checked/active there.

  • When streaming a movie with the new Apple TV, and using a DSL Internet connection, all audio sound works, e.g., the music track, but the audio track with the actor's voices, does not work. What can I do?

    When streaming a movie with the new Apple TV, and using a DSL Internet connection, all audio sound works, e.g., the music track, but the audio track with the actor's voices, does not work. What can I do?

    Hi Brian,
    Thanks restoring and restarting didn't fix my problem - i have started it fresh and still it doesn't work. Basically I press ONCE on the remote, after the machine has not had any commands for 10 minutes, and the cursor skips from one end of the menu to the other - so I can't choose network or update software etc - I sometimes manage to stop it randomly in the middle of the menu if I press on a command in the middle of the cursor skipping all the menu steps...not sure what the problem is but I have basically not used my brand new apple tv since I bought it for that reason! I should call Apple support I suppose! grrrr hate wasting time with stuff like this!
    Thanks for your help though!
    Pernille

  • HT204053 How to I get music I purchased before the iCloud was created to show up on my new authorized iPhone?  Right now I can only see the Apps I recently purchased on the actual phone but older music I purchased on my CPU using the same Apple ID doesn't

    How to I get music I purchased before the iCloud was created to show up on my new authorized iPhone?  Right now I can only see the Apps I recently purchased on the actual phone but older music I purchased on my CPU using the same Apple ID doesn't appear.

    Does any music show in the Purchased tab on the iTunes store app on your phone ? Music can't be re-downloaded in all countries, and even where it can be it will only appear whilst it remains in the store. Do you have your purchases on your computer and/or on a backup of your puchases so that you can sync them to your phone ?

  • How can I turn off Recently Websites when opening new Safari window? After tapping on the two overlapping boxes on the bottom right of Safari, a new blank window appears with Favorites, but now in iOS 8, recently viewed websites are listed.

    How can I turn off Recently Visited Websites when opening new Safari window?
    After tapping on the two overlapping boxes on the bottom right of Safari, a new blank window appears with Favorites, but now in iOS 8, recently viewed websites are listed. How can I turn this function off? I do NOT want my new Safari windows to have history displayed of previous websites I visited. I only want my Favorites (on the top) to be displayed. Please help.
    Thank you for your time, patience, understanding, kindness, and concern.

    Thanks for replying, but that isn't the answer I am looking for.  Also, there is no + sign, UNLESS you do tap the overlapping boxes.
    Let me try to ask my question a little more clearly:
    When I tap the two overlapping boxes on the lower left (the option to Open New Windows), the new Window that appears will show your Bookmarked FAVORITES. But with my new iPhone 6, and the new iOS 8.0.2, when I tap the two boxes to open a New Window, my Bookmark Favorites show (as they always have and should), but below them, there is a dividing line underneath them, and it says Recently Viewed Websites, and has these websites available to tap.
    So my question is, HOW DO I TURN THESE OPTION OFF?
    *UPDATE  (10.13.14): Since I have asked this question, I no longer see these Recently Viewed Websites under my Bookmarked Favorites in my new Window tabs. So I hope that Apple fixed it, or somehow it was a mistake, or somehow I changed an Option on my iPhone 6 that stopped this for reoccurring.
    Thank you for your help bobseufert! I appreciate your concern, kindness, and the time to try to help. I am grateful.
    Have a blessed day.

  • When I have video clips on my timeline, they do not play in the monitor screen. I hear the sound track but can not see the image. To test if my new files are somehow the problem, I went back and used video files that I used successfully a year ago, and th

    When I have video clips on my timeline, they do not play in the monitor screen. I hear the sound track but can not see the image. To test if my new files are somehow the problem, I went back and used video files that I used successfully a year ago, and they no longer play in the monitor window. I hear the sound track, but do not see any video. Have I changed some setting that controls video playback in the monitor window?

    Randy Ruttger
    Thanks for the follow up.
    Missing in this equation were the version of Premiere Elements that you were using and the computer operating system on which it was running. But...
    The deed is done. But.....Until now and after you went ahead and moved to version 12, we now learn what version of Premiere Elements you were using. We still do not know the computer operating system involved.
    You just said Premiere Elements 10. Premiere Elements 10 is hit by a serious known display issue if the computer uses a NVIDIA GeForce video card/graphics card. In this issue, the only remedy is to roll back the driver version to about May 2013. The description of the problem and how to do the roll back are described in one of the Announcements at the top of this forum. What video card/graphics card does your computer use?
    On another front, Adobe will be releasing a new version of Premiere Elements any day now. No one but Adobe knows the feature set for the new version. That type of information is announced at the moment of release of the new version.
    So the remedy to the problem that you presented in this thread could have been...
    1. Rolling back the NVIDIA GeForce driver version to about May 2013 if possible (Windows 8 or 8.1 64 bit, may not be possible)
    2. Move to another version of Premiere Elements (which you did)
    I offer the above for consideration so that you can review your decisions. We are pleased to learn that Premiere Elements 12/12.1 works for you.
    Please do not hesitate to ask questions and ask for clarifications, but remember that the answers are in the details.
    Best wishes,
    ATR

  • I just got a new iphone! I can't restore some in app content! The reason is I need to do the security questions. I'm 85% sure I put in the right answers but it's not working. Also when I try to reset it threw email I never get the message to fix it! Help!

    I have got a new iphone recently. But I can't restore in app purchases. I have tried many times to reset it threw email and never got the message. I know I'm checking the right email I get your advertising messages there. I'm 85% sure I'm using the right answers! This has been very frustrating! Please help make this right!

    We are fellow users here on these user-to-user forums, you're not talking to iTunes Support nor Apple.
    The reset link for the security question will send the email to your rescue email account : http://support.apple.com/kb/HT5312 -  that is the email account that you are checking, and you've checked the spam folder on it as well as the inbox, and tried clicking the reset link again ?
    If you aren't receivineg the email then you will need to contact Support in your country to get the questions reset.
    Contacting Apple about account security : http://support.apple.com/kb/HT5699
    When they've been reset you can then use the steps half-way down the HT5312 link above to view your rescue email address to check that it's correct, in case you need to use it in the potential future use

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