My Mortgage Journal (formerly: Would I qualify for an FHA Mortgage in ME?)

CREDIT Scores:TransUnion: 624Equifax: 621 Negatives:Collections:$150 unpaid utility. Was not aware of this - never contacted by utility or collection agency. Found out about it myself after reviewing my report. Contacted collection agency with a PFD letter. Can pay off immediately. Dated: 3/6/2013Charge-Offs (Due to a divorce. Wife abandoned me, draining joint account down to $1.17 and left me to do the best I could with what I had. I paid rent and car above all-else. Can evidence w/ copy of Divorce Decree):$0.00 American Express credit card. Date closed: 3/21/2012. Status on CR: Closed - Paid-off after account closure$2,928 Bank of America credit card. Date closed: 7/24/2012 Status on CR: Closed$0.00 Macy's store credit card. Date closed: 8/17/2012 Status on CR: Closed - Paid-off after account closure$982 Kohls store credit card. Date closed: 9/12/2012 Status on CR: ClosedOpen Accounts:Credit Cards:$100 ($500 limit). Capital One credit card. Date opened: 12/19/2013. Status on CR: Open - Current/Pays as AgreedVehicle Loan:$0.00 Date opened: 11/23/2009. Date closed: 8/17/2013. Status on CR: Closed - Current/No Missed Payments$14,041 Date opened: 7/30/2013. Status on CR: Open - Current/No Missed PaymentsClosed Accounts:Student Loans:$0.00 Date closed: 2/22/2010. Status on CR: Closed - Current/No Missed PaymentsOther (Public Records, Judgements, Tax Liens, Child Support, Bankruptcy):NoneHard-Pulls:6 (5 of which will fall off by 8/2015) INCOME Full-time Employment Salary:$67,000 annuallyBonus:3-6% annuallyExplanation:Full-time salary employment as a Risk & Insurance Manager. I started here 12/2014, but have been doing substantially similar work all along. Prior positions: Contracts Manager (2 years), Project Analyst (2 years), Insurance Underwriter (5 years). MONTHLY DEBT PAYMENTS $377/month vehicle payment$25/month credit card payment (can pay off immediately, but was intentionally carrying a balance) ASSETS/RESERVES ~$10,000 LOCATION Portland, Maine and surrounding PROPERTY Single-family home - as turn-key as can be. VALUE $150-200k w/ 3.5% down. Family member is willing to contribute towards downpayment and provide a gift letter. OCCUPANCY Primary Residence TRANSACTION TYPE First-time Purchase

Updates: The utility collection has been removed from Equifax and Experian; TransUnion is dragging their feet...maybe next week.CapitalOne is reporting my updated balance, but not my new limit, so my utilization is artificially skewed...again, maybe next week.My CreditKarma scores took a dump this week - not sure why as the only changes were improvements (i.e. removed collection). My MyFICO scores improved though (further evidence that CK is essentially worthless). New scores are: EQ 04: 627 (+11)TU 04: 595 (+/- 0)EX 98: 604 (+9) I anticipate greater increases once CapitalOne reports my increased limit. That should push my utilization to under the 30% sweet-spot. Still waiting on a response from the bank regarding the erroneous 30-day-late they reported in July 2013. I faxed them copies of my payment confirmations from that month, as well as the month prior. Not sure a removal will provide a significant boost at this point though; it's almost 2 years old. My Bank of America charge-off is still there as well, and reporting the full balance. I don't anticipate a score change once it's updated, but the $0 balance will certainly help to smooth that rough edge. EDIT: Backstory on the 30-day-late, as I realize I hadn't shared that previously. My now closed earlier auto loan reflects "No Missed Payments" on TransUnion, however it shows a single 30-day-late payment in July of 2013 on both Equifax and Experian - two weeks before I paid the account off in-full in August 2013. I have my payment confirmations from June and July of 2013. June's payment was 2 days late due to website maintenance (I have their email stating the dates of maintanance, and faxed that to them as well). I could not have paid it earlier as my payday and due date coincided that month, so instead I made my payment on the next available date. Still, I was never 31+ days late on that account, no matter how you do the math.

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How do I qualify for a Student Discount?

Hello,
I'm currently studying Interactive Media at my college in the UK, and was wondering how would I qualify for a student discount?
Because I went to this link http://store.apple.com/uk/mac/education and the college that I go to isn't there, and I could really do with a more powerful laptop.
Hope to here from you soon,
Jordan_Clow

We are not Apple, just end-usrs like you so cannot speak with authrity about Apple policies. However this Apple site covers educational purchases. Links therein will show terms and conditions:
http://store.apple.com/us/browse/home/findyourschool
That is from the US store. If that does not answer the question for a UK user, open the UK Apple Store and enter "educational" in the search window. One hit should be "Educational discounts."

Does an ipod with a non functional power button still qualify for discount on a new ipod?

I have an old iPod Touch 2nd gen and my power button doesn't work. i was wondering if it would still qualify for the discount on a new ipod touch at an apple store.

What discount is this? Never heard of Apple accepting trade ins for discount on a new item.
If you mean the Apple recycling plan, it is actually not run by Apple, but by a 3rd party recycling company. They would be the ones to make the decision on how much you would get for your device. Non-functional devices are not worth a whole lot though, so you should not expect much from them.
http://www.apple.com/recycling/gift-card/

Do I qualify for an educational discount?

I am a learning coach for my son in an online school. Would I qualify for the educational discount on CS6? If so, how much would that be? Thanks in advance for your help!

Education FAQ
For anything else you need to contact S&T support directly.
Mylenium

Does my phone qualify for out of warranty replacement?

Hi all,
I have just dropped a dumbbell on my iphone 3GS, (dohhh!), the screen has cracked at the top but shattered down the bottom. The phone is still on and charges however i cant use touch screen at the bottom where it has shattered, there allso tiny bits of loose glass at this part.
The phone is out of warranty but would I qualify for the out of warranty replacement? I would jsut go to Apple and ask but its not very close!
Thanks

If your iPod Touch, iPhone, or iPad is Broken
Apple does not fix iDevices. Instead, they exchange yours for a refurbished or new replacement depending upon the age of your device and refurbished inventories. On rare occasions when there are no longer refurbished units for your older model, they may replace it with the next newer model.
ATTN: Beginning July 2013 Apple Stores are now equipped to do screen repairs/replacements in-house on iPhone 5 and 5C. In some cases while you wait. According to Apple this is the beginning of equipping Apple Stores with the resources needed to do most repairs for iPhones, iPads, and iPod Touches that would not require major replacements. Later in the year the services may be extended as Apple Stores become equipped and staffed with the proper repair expertise. So, if you need a screen repaired or a broken screen replaced or have your stuck Home button fixed, call your local Apple Store to see if they are now doing these in-house.
You may take your device to an Apple retailer for help or you may call Customer Service and arrange to send your device to Apple:
Apple Store Customer Service at 1-800-676-2775 or visit online Help for more information.
To contact product and tech support: Contacting Apple for support and service - this includes international calling numbers.
You will find respective repair costs in the appropriate link:
iPod Service Support and Costs
iPhone Service Support and Costs
iPad Service Support and Costs
There are third-party firms that do repairs on iDevices, and there are places where you can order parts to DIY if you feel up to the task:
1. iResq or Google for others.
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I am qualified for the free version of lion...once I took a snap shot of my proof of purchase, it said it would send me a confirmation email with a code and it never did?

I am qualified for the free version of lion...once I took a snap shot of my proof of purchase, it said it would send me a confirmation email with a code and it never did?

You will get a .pdf file with the Redemption Code in it in your registered email inbox. You will have to enter the Redemption Code into the Redeem link on the right in App Store.
You will also receive an additional email with a password to open the .pdf file from the first email.
Enter the password to .pdf file > Copy the redemption code and enter it in App Store > Enter your Apple ID and password in the App Store pop-up > Poof!!! Magic! Your OS X Lion icon shows up in your dock and the download begins!

Hi I'm trying to buy the £26 a month adobe subscription but when I enter my serial number it says I'm not eligible for this offer. I purchased CS4 so thought that would qualify for eligibility?

Hi I'm trying to buy the £26 a month adobe subscription but when I enter my serial number it says I'm not eligible for this offer. I purchased CS4 so thought that would qualify for eligibility.
Does anyone have an idea why the product I purchased (CS4) is not eligible?

Hi Louise,
Is your CS4 serial number registered to same adobe id with which you are trying to place the order?
This offer is not available to Education, OEM, or volume licensing customers.
You can send your CS4 license key to me in a private message if you want me to check its configuration.
Here are the Terms and Conditions-
Terms and Conditions | Adobe
Thanks!
Gurpreet

I do not qualify for the Verizon edge plan, even though I have been customer ever since they bought Alltel. Has anyone else had this problem.

Today I went to the Verizon store to upgrade my girlfriends phone which is on my account b/c I wanted to use the edge plan to buy the iPhone 5c. I had read in several different places that I could upgrade using edge and not loose my unlimited data, turns out I was misinformed, which the guy at the store told me after he had my information pulled up using my cell number. I told the guy I was not willing to give up my unlimited plan AND pay full price for the phone, I thanked him for his time and we left. When we left the store I called the Verizon number that is given on the website and told them I was interested in the edge plan for the 5c and asked for more information, ( I thought the guy at the store was wrong and I was checking). The woman I talked.......long story short, I talked to 8 people including 2 managers and none of them could tell me why I did not qualify for the edge financing (even if switching the plan), SO I was hoping someone on here might could help. I have been a customer since Verizon bought out Alltel, I have automatic payments set up with no late payments for as long as I can remember, and was eligible for an upgrade on 01/03/2013. Any experience or advice in this area would be appreciated.
Thank You!

rjg030585 wrote:
I told the guy I was not willing to give up my unlimited plan AND pay full price for the phone, I thanked him for his time and we left.
Here is my advice, at least. Not sure if anyone will agree, but it is my take on the problem.
With the Edge program, there is a "possibility" that someone will pay full price for a phone. This is not always the case, though. IF you do not complete ALL of the 24 months of payments, then you WILL NOT have paid full price for the phone, but simply a portion of the full price. THAT is why it does not make the plan "eligible" to keep your unlimited data. With the Edge plan, technically you only have to pay 50% of the full price before you can trade it in for another phone on the Edge plan. The way the plan is designed, the majority of people WILL NOT ever pay full price for the phone, but only a portion of the full price before they exchange their phone for a new device. That is what Verizon is hoping for, at least.
As Ann154 has pointed out, you can use the Device Payment Plan and keep your unlimited data. At no time during your contract can you trade THAT phone in to get another phone. You would have to continue making the payments on THAT phone along with any other phone you upgraded to. THAT is the difference between the 2 plans. You WILL end up paying full price for the phone on the Device Payment Plan, where you can STOP making payments on a phone with the Edge Plan if you turn it in for another device.
Good luck.

What needs to be wrong to qualify for a replacement?

My iPad has been messing up lately and just last night my "friend" cracked the screen.
My question is what all needs to be wrong with it to qualify for a free warranty replacement?
the internet occasionally turns itself off, the sound will cut out, it will refuse to interface with iHome (possibly iHome's fault though),
I bought it in June, and have not done anything with it involving the warranty yet.
Do you think this would qualify to be replaced?

Yes, with the physical damage, and the absence of accidental damage protection, it would be an out of warranty repair.
iPad model
Out-of-Warranty Service Fee
iPad mini
$219
iPad 3rd, 4th generation
$299
iPad 2, iPad
$249
A $6.95 shipping fee will be added if service is arranged through Apple and requires shipping. All fees are in US dollars and are subject to local tax.
Certain damage is ineligible for out-of-warranty service, including catastrophic damage, such as the device separating into multiple pieces, and inoperability caused by unauthorized modifications. However, an iPad that has failed due to contact with liquid may be eligible for out-of-warranty service.
Apple reserves the right to determine whether or not your iPad is eligible for Out-of-Warranty service. Replacement iPads have a 90-day limited hardware warranty or assume the remainder of your standard warranty or AppleCare service contract coverage, whichever is longer. Please see the AppleCare+ for iPad and Apple Repair Terms And Conditions for further details.

Do i qualify for free copy of OSX Lion?

I bought my macbook pro on june 28th 2011. i read off another forum that if i bought the mac after june 6th then i qualify for a free copy of OSX lion when it comes out. Is this true. and how would they give me a free copy.

After Lion is released you can do it through the app store.
http://www.apple.com/macosx/uptodate/
MacBook Pro, Mac OS X (10.6.8), 2.4GHz IntelCore i5 320 HD 8GB RAM

All rows in table do not qualify for specified partition

SQL> Alter Table ABC
2 Exchange Partition P1 With Table XYZ;
Table altered.
SQL> Alter Table ABC
2 Exchange Partition P2 With Table XYZ;
Exchange Partition P2 With Table XYZ
ERROR at line 2:
ORA-14099: all rows in table do not qualify for specified partition
The exchange partition works correct for the first time. However if we try to exchange 2nd partition it gives the error.
How do i solve this error?
How do i find rows which are not qualified for the specified portion. is there a query to find out the same?

stephen.b.fernandes wrote:
Is there another way?First of all, exchange is physical operation. It is not possible to append exchanged data. So solution would be to create archive table as partitioned and use non-partitioned intermediate table for exchange:
SQL> create table FLX_TIME1
2 (
3 ACCOUNT_CODE VARCHAR2(50) not null,
4 POSTING_DATE DATE not null
5 ) partition by range(POSTING_DATE) INTERVAL(NUMTOYMINTERVAL(1, 'MONTH'))
6 ( partition day0 values less than (TO_DATE('01-12-2012', 'DD-MM-YYYY') ) )
7 /
Table created.
SQL> create index FLX_TIME1_N1 on FLX_TIME1 (POSTING_DATE)
2 /
Index created.
SQL> create table FLX_TIME1_ARCHIVE
2 (
3 ACCOUNT_CODE VARCHAR2(50) not null,
4 POSTING_DATE DATE not null
5 ) partition by range(POSTING_DATE) INTERVAL(NUMTOYMINTERVAL(1, 'MONTH'))
6 ( partition day0 values less than (TO_DATE('01-12-2012', 'DD-MM-YYYY') ) )
7 /
Table created.
SQL> create table FLX_TIME2
2 (
3 ACCOUNT_CODE VARCHAR2(50) not null,
4 POSTING_DATE DATE not null
5 )
6 /
Table created.
SQL> Declare
2 days Number;
3 Begin
4 FOR days IN 1..50
5 Loop
6 insert into FLX_TIME1 values (days,sysdate+days);
7 End Loop;
8 commit;
9 END;
10 /
PL/SQL procedure successfully completed.
SQL> set linesize 132
SQL> select partition_name,high_value from user_tab_partitions where table_name='FLX_TIME1';
PARTITION_NAME                 HIGH_VALUE
DAY0                           TO_DATE(' 2012-12-01 00:00:00', 'SYYYY-MM-DD HH24:MI:SS', 'NLS_CALENDAR=GREGORIAN')
SYS_P119                       TO_DATE(' 2013-01-01 00:00:00', 'SYYYY-MM-DD HH24:MI:SS', 'NLS_CALENDAR=GREGORIAN')
SYS_P120                       TO_DATE(' 2013-02-01 00:00:00', 'SYYYY-MM-DD HH24:MI:SS', 'NLS_CALENDAR=GREGORIAN')
Now we need to echange partition SYS_P119 to FLX_TIME2 and then echange FLX_TIME2 into FLX_TIME1_ARCHIVE:
To exchange it with FLX_TIME2:
SQL> truncate table FLX_TIME2;
Table truncated.
SQL> alter table FLX_TIME1 exchange partition SYS_P119 with table FLX_TIME2;
Table altered.To exchange FLX_TIME2 with FLX_TIME1_ARCHIVE we need to create corresponding partition in FLX_TIME1_ARCHIVE. To do than we use LOCK TABLE PARTITION FOR syntax supplying proper date value HIGH_VALUE - 1 (partition partitioning column is less than HIGH_VALUE so we subtract 1) and then use ALTER TABLE EXCHANGE PARTITION FOR syntax:
SQL> lock table FLX_TIME1_ARCHIVE
2    partition for(TO_DATE(' 2013-01-01 00:00:00', 'SYYYY-MM-DD HH24:MI:SS', 'NLS_CALENDAR=GREGORIAN') - 1)
3    in share mode;
Table(s) Locked.
SQL> alter table FLX_TIME1_ARCHIVE exchange partition
2    for(TO_DATE(' 2013-01-01 00:00:00', 'SYYYY-MM-DD HH24:MI:SS', 'NLS_CALENDAR=GREGORIAN') - 1)
3    with table FLX_TIME2;
Table altered.
SQL> Same way we exchange partition SYS_P120:
SQL> truncate table FLX_TIME2;
Table truncated.
SQL> alter table FLX_TIME1 exchange partition SYS_P120 with table FLX_TIME2;
Table altered.
SQL> lock table FLX_TIME1_ARCHIVE
2    partition for(TO_DATE(' 2013-01-02 00:00:00', 'SYYYY-MM-DD HH24:MI:SS', 'NLS_CALENDAR=GREGORIAN') - 1)
3    in share mode;
Table(s) Locked.
SQL> alter table FLX_TIME1_ARCHIVE exchange partition
2    for(TO_DATE(' 2013-02-01 00:00:00', 'SYYYY-MM-DD HH24:MI:SS', 'NLS_CALENDAR=GREGORIAN') - 1)
3    with table FLX_TIME2;
Table altered.
SQL> Now:
SQL> select count(*)
2    from FLX_TIME1 partition(day0)
3 /
COUNT(*)
         8
SQL> select count(*)
2    from FLX_TIME1 partition(sys_p119)
3 /
COUNT(*)
         0
SQL> select count(*)
2    from FLX_TIME1 partition(sys_p120)
3 /
COUNT(*)
         0
SQL> select partition_name from user_tab_partitions where table_name='FLX_TIME1_ARCHIVE';
PARTITION_NAME
DAY0
SYS_P121
SYS_P122
SQL> select count(*)
2    from FLX_TIME1_ARCHIVE partition(day0)
3 /
COUNT(*)
         0
SQL> select count(*)
2    from FLX_TIME1_ARCHIVE partition(sys_p121)
3 /
COUNT(*)
        31
SQL> select count(*)
2    from FLX_TIME1_ARCHIVE partition(sys_p122)
3 /
COUNT(*)
        11
SQL> SY.

This edition do not qualify for upgrade - SQL Express 2005

Hello,
I hope somebody would be able to help me.
I am trying to upgrade an old Microsoft SQL Server 2005 - 9.00.3042.00 (Intel X86) Feb 9 2007 22:47:07 Copyright (c) 1988-2005 Microsoft Corporation Express Edition.
This one is SP2 as listed on http://sqlserverbuilds.blogspot.co.uk/ and I am trying to upgrade it to SP4.
However I get the error This edition do not qualify for upgrade, could anybody help?
Many thanks,
Mohan

Hello Mohan,
Which installer have you used, may be this one here
Microsoft SQL Server 2005 Service Pack 4 RTM ? As you can see in the "Details" it applys only for the Commercial Editions, you can not use it for the free Express.
For Express Edition you have to use this one:
Microsoft SQL Server 2005 Express Edition Service Pack 4
Olaf Helper
[ Blog] [ Xing] [ MVP]
Hi Olaf,
Thank you for the response.
The one you asked me to use is a full SQL Server 2005 Express Edition Service Pack 4. However I need something to be able to just upgrade from Service Pack 2 to Service Pack 4, could you help?
Many thanks,
Mohan

I am already customer and want to upgrade and take the offer of $29.99/month for the complete CS for existing customers (which I qualify for) but when I try 'BUY' - it keeps sending me to this forum?? How do I get the $29.99/month deal?

I am already customer and want to upgrade and take the offer of $29.99/month for the complete CS for existing customers (which I qualify for) but when I try 'BUY' - it keeps sending me to this forum?? How do I get the $29.99/month deal?

Hi Bev,
Thanks for the the email - I understand now.
I would just like to ask another question with regards to my new order for complete Creative Cloud which you suggested. I have now pre-paid for a full year but I’m not
sure when I can start downloading the other APPS as they don’t seem to be updating on my current Creative Cloud account app display. It still shows my old configuration
of products (i.e. Photoshop etc) and my ‘activity stream’ relates back to 9 days ago.
Please let me know how to get my new order activated.
Thanks
Kevin Bartley
[personal information removed... Mod - https://forums.adobe.com/docs/DOC-3731]
[This is an open forum, not Adobe support, please do not post personal information]
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667 qualify for FHA loan?

Hi, any and all input is greatly appreciated.
My girlfriend and I have been wanting to purchase a home for quite some time now. My mortgage score is 667 & hers is 647. She actually has better credit than I do. I have six big collections, she has none..all her credit card payments, car payments & loan payments are on time. Out combined income is about $72k but I'm really scared to try and apply for a loan to just get rejected and ruin her dreams of owning a home. Can anyone give me some insight on what qualifications one needs in CA to qualify for a home loan? Thanks!

justtryingtostartover wrote:
Hi, any and all input is greatly appreciated.
My girlfriend and I have been wanting to purchase a home for quite some time now. My mortgage score is 667 & hers is 647. She actually has better credit than I do. I have six big collections, she has none..all her credit card payments, car payments & loan payments are on time. Out combined income is about $72k but I'm really scared to try and apply for a loan to just get rejected and ruin her dreams of owning a home. Can anyone give me some insight on what qualifications one needs in CA to qualify for a home loan? Thanks!Yes, most lenders will approve you with an FHA loan or USDA loan with a min mortgage mid score of 640, many will even use a mid score of 620. Go to the mortgage section here on MyFICO and answer the questions in the Do I Qualify thread for helpful qualification info. Mortgages are based on your income and your debt as well as your assets and credit.

I qualified for the 29.99 upgrade special, but it still charged me 49.99?

I just upgraded to Creative Cloud from an upgrade special that said I qualified for a 29.99 membership for upgrading from Creative Suite. When I purchased the Cloud, it still charged me 49.99. I purchased this with the premise it would be for the 29.99 price.
The upgrade offer that said I qualified was on this page:
https://creativecloud-specialoffer.adobe.com/special-offer/?loc=en_US&cc=useativesuite/faq /upgrade-policy.html
Thank you!!
Jess

You can contact Adobe support directly in weekday (Monday to Friday) on 800-443-8158 and also contact Adobe via chat.
Here is the link for chat : http://helpx.adobe.com/x-productkb/policy-pricing/avl-help.html

My Mortgage Journal (formerly: Would I qualify for an FHA Mortgage in ME?)

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