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    #16
    What's HELOC?
    Is our money safe in a checking account at WAMU or should we take it out? It's federally insured right? But I don't want any issues of not being able to access it for a time, either...
    <<I am NOT an attorney, my comments are anecdotal only. Contact an attorney for advice>>
    FINALLY DISCHARGED 92 DAYS AFTER THE 341! A NEW START!!!

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      #17
      Originally posted by PaKettle View Post
      What's HELOC?
      Is our money safe in a checking account at WAMU or should we take it out? It's federally insured right? But I don't want any issues of not being able to access it for a time, either...
      HELOC - Home Equity Line of Credit.
      _________________________________________
      Filed 5 Year Chapter 13: April 2002
      Early Buy-Out: April 2006
      Discharge: August 2006
      "A credit card is a snake in your pocket"

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        #18
        I got a $4,000 Providian Visa which then became WaMu, about 18 months after my BK discharge. I hardly ever used it so when I bought my condo and needed new living room furniture for it, I made a point of charging the entire purchase to the card. It was around $1,600 or thereabouts. The following month I paid it off completely from my savings account. After this WaMu went and raised my credit limit to $10,500!

        I now charge a tank of gas every couple months just to keep it active. Some credit card companies don't like you to keep a zero balance at all times. Crap1 tried to charge me an annual fee due to "inactivity" and I closed the account instead.
        BK 7 filed and discharged in 2004 after 30+ years of perfect credit. Life HAPPENS.

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