Random Ramblings

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Re: Random Ramblings

Post by LooseGoose on 2018-07-31, 16:41

Tim Wakefield wrote:How the shit do I have "bad credit" when I've always paid my rent/bills on time and have never applied for a credit card? I got turned down by Chase and CitiBank credit cards today. Annoying af

Check Credit Karma and make sure no one has used your identity.

Get a Wally card....my kids all started there ....they gave them like $300 to start out.
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Re: Random Ramblings

Post by Tim Wakefield on 2018-07-31, 16:43

LooseGoose wrote:
Tim Wakefield wrote:How the shit do I have "bad credit" when I've always paid my rent/bills on time and have never applied for a credit card? I got turned down by Chase and CitiBank credit cards today. Annoying af

Check Credit Karma and make sure no one has used your identity.

Get a Wally card....my kids all started there ....they gave them like $300 to start out.

Score is 650. Only open accounts are my student loans that I'll be rid of in < 3 years (hopefully). Looks like I'm Just gonna have to get a secured card like a fuckin poor
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Re: Random Ramblings

Post by Watch Out Pylon! on 2018-07-31, 16:43

Tim Wakefield wrote:How the shit do I have "bad credit" when I've always paid my rent/bills on time and have never applied for a credit card? I got turned down by Chase and CitiBank credit cards today. Annoying af

You're young. Gotta build up a good history. Nothing you can do right now except for continuing to pay everything on time. Check one of those credit report companies too just to make sure you're not forgetting about a late payment somewhere.


Last edited by Watch Out Pylon! on 2018-07-31, 16:47; edited 1 time in total
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Re: Random Ramblings

Post by LooseGoose on 2018-07-31, 16:45

Tim Wakefield wrote:
LooseGoose wrote:

Check Credit Karma and make sure no one has used your identity.

Get a Wally card....my kids all started there ....they gave them like $300 to start out.

Score is 650. Only open accounts are my student loans that I'll be rid of in < 3 years (hopefully). Looks like I'm Just gonna have to get a secured card like a fuckin poor

Jeezus I can't believe someone won't give you a regular card with 650. Did you try Cap1? CreditKarma will recommend cards to you try one they say you have good to very good odds to get.
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Re: Random Ramblings

Post by Watch Out Pylon! on 2018-07-31, 16:47

827 here by the way. I dropped 4 points from my last check for no reason whatsoever. Whatever Equifax. Work on not getting your shit hacked.
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Re: Random Ramblings

Post by DWags on 2018-07-31, 17:01

Wakes can have one of my wife’s no way you spend money faster than her.

Mr. Goodman.
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Re: Random Ramblings

Post by tGreenWay on 2018-07-31, 17:03

Tim Wakefield wrote:How the shit do I have "bad credit" when I've always paid my rent/bills on time and have never applied for a credit card? I got turned down by Chase and CitiBank credit cards today. Annoying af

Do you have an account at MSUFCU? Why not apply for a card there, and if you get turned down, you can call or visit member services and they could explain why you can get credit. They might even have suggestions to help you repair whatever the problem is.
Are you sure it’s bad credit and not just no credit history?
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Re: Random Ramblings

Post by LooseGoose on 2018-07-31, 17:07

tGreenWay wrote:
Tim Wakefield wrote:How the shit do I have "bad credit" when I've always paid my rent/bills on time and have never applied for a credit card? I got turned down by Chase and CitiBank credit cards today. Annoying af

Do you have an account at MSUFCU? Why not apply for a card there, and if you get turned down, you can call or visit member services and they could explain why you can get credit. They might even have suggestions to help you repair whatever the problem is.
Are you sure it’s bad credit and not just no credit history?

I don't think 650 is even considered bad credit - so it's probably no history.

From the Googles....
Average Credit Score in America: 2018 Report. The average FICO score in America is 695 and the average Vantage score stands at 673. Currently, Fair Isaac Corp's FICO score and Vantage are two of the most widely used scoring models in the country. Both models range between 300 and 850 - the higher the score, the better.
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Re: Random Ramblings

Post by DWags on 2018-07-31, 17:08

tGreenWay wrote:
Tim Wakefield wrote:How the shit do I have "bad credit" when I've always paid my rent/bills on time and have never applied for a credit card? I got turned down by Chase and CitiBank credit cards today. Annoying af

Do you have an account at MSUFCU? Why not apply for a card there, and if you get turned down, you can call or visit member services and they could explain why you can get credit. They might even have suggestions to help you repair whatever the problem is.
Are you sure it’s bad credit and not just no credit history?

I’m guessing no credit history. If you’re an msufcu do what tGreenway says. He’s not as dumb as he is sometimes.
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Re: Random Ramblings

Post by tGreenWay on 2018-07-31, 17:09

DWags wrote:
tGreenWay wrote:

Do you have an account at MSUFCU? Why not apply for a card there, and if you get turned down, you can call or visit member services and they could explain why you can get credit. They might even have suggestions to help you repair whatever the problem is.
Are you sure it’s bad credit and not just no credit history?

I’m guessing no credit history. If you’re an msufcu do what tGreenway says. He’s not as dumb as he is sometimes.

Broken clock... twice a day....
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Re: Random Ramblings

Post by tGreenWay on 2018-07-31, 17:12

LooseGoose wrote:
tGreenWay wrote:

Do you have an account at MSUFCU? Why not apply for a card there, and if you get turned down, you can call or visit member services and they could explain why you can get credit. They might even have suggestions to help you repair whatever the problem is.
Are you sure it’s bad credit and not just no credit history?

I don't think 650 is even considered bad credit - so it's probably no history.

From the Googles....
Average Credit Score in America: 2018 Report. The average FICO score in America is 695 and the average Vantage score stands at 673. Currently, Fair Isaac Corp's FICO score and Vantage are two of the most widely used scoring models in the country. Both models range between 300 and 850 - the higher the score, the better.

Agreed. I also think Wake would do well with the steps you mentioned, especially something like a Cap1 card. Although, my guess is penalties from an MSUFCU Visa would be less painful. And I’ll bet they have some kind of program for recent Spartan grads just starting out and in need of developing a credit history.
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Re: Random Ramblings

Post by Tim Wakefield on 2018-07-31, 17:53

I have a local mom n pop bank in West GR. Maybe time to move on from that

I'll just use the secured discover card I guess. I've gone ~8 years without a credit card since I started making money, I can go without one a little longer
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Re: Random Ramblings

Post by The Pantry on 2018-08-01, 18:13

Left work this evening and headed up Mound with 2 lanes closed for construction.  Some trucker with a loaded double drop trailer had tried to pull out on the road but the trailer was too low and too heavy and got hung up in the driveway.  Apparently couldn't move either forward or back and ended up mostly blocking the other 2 lanes.  Another trucker caught in the resulting backup got out of his rig and moved a couple construction barrels allowing single lane traffic to pass, otherwise I'd probably still be sitting there.

No idea how they're going to get that truck unstuck.  Might have to offload the trailer.
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Re: Random Ramblings

Post by LooseGoose on 2018-08-05, 15:13



A father buys a lie detector robot that slaps people when they lie.

He decides to test it out at dinner one night. The father asks his son what he did that afternoon.

The son says, "I did some schoolwork."

The robot slaps the son.

The son says, "Ok, Ok. I was at a friend's house watching movies."

Dad asks, "What movie did you watch?"

Son says, "Toy Story."

The robot slaps the son again.

Son says, "Ok, Ok, we were watching Stormy Daniels movies."

Dad says," What? At your age I didn't even know what dirty movies were."

The robot slaps the father!

Mom laughs and says, "Well, he certainly is your son."

The robot slaps the mother.

Robot for sale.
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Re: Random Ramblings

Post by tGreenWay on 2018-08-05, 15:31

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Re: Random Ramblings

Post by Floyd Robertson on 2018-08-05, 20:45

World News Tonight‏ Verified account @ABCWorldNews  6 minutes ago
LATEST: Michigan officials confirm two people have drowned, three are hospitalized amid "hazardous wave conditions" at Grand Haven State Park Beach on Lake Michigan. https://abcn.ws/2KtG6bW
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Re: Random Ramblings

Post by tGreenWay on 2018-08-05, 20:53

Floyd Robertson wrote: World News Tonight‏ Verified account @ABCWorldNews  6 minutes ago
LATEST: Michigan officials confirm two people have drowned, three are hospitalized amid "hazardous wave conditions" at Grand Haven State Park Beach on Lake Michigan. https://abcn.ws/2KtG6bW

A friend was there, at least for one of the deaths. She grabbed a few photos of a human chain being formed to assist someone caught in a riptide. From what I could tell, that person was saved, but it sounds like one of the rescuers either drowned or had a heart attack during the operation.
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Re: Random Ramblings

Post by LooseGoose on 2018-08-05, 21:01

tGreenWay wrote:
Floyd Robertson wrote: World News Tonight‏ Verified account @ABCWorldNews  6 minutes ago
LATEST: Michigan officials confirm two people have drowned, three are hospitalized amid "hazardous wave conditions" at Grand Haven State Park Beach on Lake Michigan. https://abcn.ws/2KtG6bW

A friend was there, at least for one of the deaths. She grabbed a few photos of a human chain being formed to assist someone caught in a riptide. From what I could tell, that person was saved, but it sounds like one of the rescuers either drowned or had a heart attack during the operation.

64 yo man from Wyoming, MI.   Supposedly there was an all day warning not to go in the water.

GRAND HAVEN, MI (WHTC-AM/FM) – A Beach Hazards Statement for the waters of Lake Michigan off of Ottawa County had been issued before dawn on Sunday. Unfortunately, not everybody was apparently aware of this as a 64-year-old Wyoming man died and several other people had to rescued while floundering off of Grand Haven State Park.

The department reported rescuing three more swimmers off of Grand Haven State Park on Sunday, with two initially listed in critical condition, and two others that had been floundering in the waters were able to swim safety to shore. Late on Sunday afternoon, the department posted on its Facebook page: “Stay out of the water at Grand Haven State Park and Grand Haven City Beach. Multiple victims have been rescued and transported to medical facilities.”

https://whtc.com/news/articles/2018/aug/05/one-drowns-others-rescued-in-lake-michgian-waters-off-of-grand-haven/

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Re: Random Ramblings

Post by tGreenWay on 2018-08-05, 21:09

LooseGoose wrote:
tGreenWay wrote:

A friend was there, at least for one of the deaths. She grabbed a few photos of a human chain being formed to assist someone caught in a riptide. From what I could tell, that person was saved, but it sounds like one of the rescuers either drowned or had a heart attack during the operation.

64 yo man from Wyoming, MI.   Supposedly there was an all day warning not to go in the water.

GRAND HAVEN, MI (WHTC-AM/FM) – A Beach Hazards Statement for the waters of Lake Michigan off of Ottawa County had been issued before dawn on Sunday. Unfortunately, not everybody was apparently aware of this as a 64-year-old Wyoming man died and several other people had to rescued while floundering off of Grand Haven State Park.

The department reported rescuing three more swimmers off of Grand Haven State Park on Sunday, with two initially listed in critical condition, and two others that had been floundering in the waters were able to swim safety to shore. Late on Sunday afternoon, the department posted on its Facebook page: “Stay out of the water at Grand Haven State Park and Grand Haven City Beach. Multiple victims have been rescued and transported to medical facilities.”

https://whtc.com/news/articles/2018/aug/05/one-drowns-others-rescued-in-lake-michgian-waters-off-of-grand-haven/


It’s amazing how some people think they can out-power a large body of water, as if it was no more dangerous than their backyard pool.


Last edited by tGreenWay on 2018-08-06, 00:59; edited 1 time in total
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Re: Random Ramblings

Post by The Pantry on 2018-08-05, 21:47

tGreenWay wrote:It’s amazing how some people think they can out-power the power of a large body of water, as if it was no more dangerous than their backyard pool.
Water is tremendously powerful. Doesn't even take a large amount. Sometimes it's just the current. Went whitewater rafting on the Cheat River in WV years ago. Water level was very low so they put us in 4 man rafts with the guides in kayaks instead of 8 man rafts with a guide.

One of the rafts got hung up on some rocks. A guy got out to free it. He was a Michigan State Trooper about 6'2" and in great shape. Slipped on the rocks in less than 2 feet of water and went down. Could see him struggling. Was wearing a two piece wetsuit and the current got into his pants pulling him down. Current was so strong it eventually stripped the pants off inside-out and allowed him to sit up.
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Re: Random Ramblings

Post by CORNER BLITZ on 2018-08-05, 22:27

Tim Wakefield wrote:How the shit do I have "bad credit" when I've always paid my rent/bills on time and have never applied for a credit card? I got turned down by Chase and CitiBank credit cards today. Annoying af

your rent probably doesn't get reported to the credit bureaus unless you've asked your landlord to do so
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Re: Random Ramblings

Post by LooseGoose on 2018-08-07, 13:12

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Re: Random Ramblings

Post by LooseGoose on 2018-08-08, 12:32

Kinda crazy that a plane could be missing in MI for 21 years......I wouldn't have thought that possible.

Pictures released of 1997 plane crash found decades later in Mackinac County

1997 Plane crash wreckage
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Re: Random Ramblings

Post by Floyd Robertson on 2018-08-08, 12:39

LooseGoose wrote:Kinda crazy that a plane could be missing in MI for 21 years......I wouldn't have thought that possible.

Pictures released of 1997 plane crash found decades later in Mackinac County

1997 Plane crash wreckage

That is pretty crazy that in 21 years no one else wandered by it. Then again, Mackinac county is 1,022 sq mi.
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Re: Random Ramblings

Post by goodbar on 2018-08-08, 13:19

The Pantry wrote:
tGreenWay wrote:It’s amazing how some people think they can out-power the power of a large body of water, as if it was no more dangerous than their backyard pool.
Water is tremendously powerful.  Doesn't even take a large amount.  Sometimes it's just the current.  Went whitewater rafting on the Cheat River in WV years ago.  Water level was very low so they put us in 4 man rafts with the guides in kayaks instead of 8 man rafts with a guide.  

One of the rafts got hung up on some rocks.  A guy got out to free it.  He was a Michigan State Trooper about 6'2" and in great shape.  Slipped on the rocks in less than 2 feet of water and went down.  Could see him struggling.  Was wearing a two piece wetsuit and the current got into his pants pulling him down.  Current was so strong it eventually stripped the pants off inside-out and allowed him to sit up.

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Re: Random Ramblings

Post by LooseGoose on 2018-08-10, 11:47

Wow.....big day on the Price is Right.

All 3 people in segment 2 hit $1.00 for $10,000

Then in sudden death single spin - the first 2 hit $1.00 for $25,000

.....took a $0.95 on the third spin to get to the showcase.
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Re: Random Ramblings

Post by goodbar on 2018-08-10, 13:11

take another look at a butterfly when its flying around. i think they have a lot more control than what we give them credit for.
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Re: Random Ramblings

Post by Watch Out Pylon! on 2018-08-10, 13:35

LooseGoose wrote:Wow.....big day on the Price is Right.

All 3 people in segment 2 hit $1.00 for $10,000

Then in sudden death single spin - the first 2 hit $1.00 for $25,000

.....took a $0.95 on the third spin to get to the showcase.

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Re: Random Ramblings

Post by Banks2Mason on 2018-08-10, 13:55

goodbar wrote:take another look at a butterfly when its flying around. i think they have a lot more control than what we give them credit for.

fuck butterflies
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Re: Random Ramblings

Post by Senior Dickfist on 2018-08-10, 14:03

goodbar wrote:take another look at a butterfly when its flying around. i think they have a lot more control than what we give them credit for.

Thank you for your insight, Confucius!
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Re: Random Ramblings

Post by tGreenWay on 2018-08-10, 14:07

I’m bored with my t-shirts.
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Re: Random Ramblings

Post by Banks2Mason on 2018-08-10, 14:59

tGreenWay wrote:I’m bored with my t-shirts.

cut off all the sleeves. decreases drag & the ladies love it.
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Re: Random Ramblings

Post by tGreenWay on 2018-08-10, 15:02

Banks2Mason wrote:
tGreenWay wrote:I’m bored with my t-shirts.

cut off all the sleeves. decreases drag & the ladies love it.

Do the ladies love a farmer tan, too?
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Re: Random Ramblings

Post by Banks2Mason on 2018-08-10, 15:04

tGreenWay wrote:
Banks2Mason wrote:

cut off all the sleeves. decreases drag & the ladies love it.

Do the ladies love a farmer tan, too?

the ones i tend to go for do. toss on a pair of cut-off jorts, head to greater wyandotte, and you'll be swimming in it, bro
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Re: Random Ramblings

Post by tGreenWay on 2018-08-10, 15:07

Banks2Mason wrote:
tGreenWay wrote:

Do the ladies love a farmer tan, too?

the ones i tend to go for do. toss on a pair of cut-off jorts, head to greater wyandotte, and you'll be swimming in it, bro

That’s a plan. And I might finally be able to use my mobile penicillin carrying case.
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Re: Random Ramblings

Post by Banks2Mason on 2018-08-10, 15:08

tGreenWay wrote:
Banks2Mason wrote:

the ones i tend to go for do. toss on a pair of cut-off jorts, head to greater wyandotte, and you'll be swimming in it, bro

That’s a plan. And I might finally be able to use my mobile penicillin carrying case.

pro tip: grab a carton of merit lights and a few icehouse tallboys on the way (if you can fit all that on your dirtbike, of course)
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Re: Random Ramblings

Post by tGreenWay on 2018-08-10, 15:12

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Re: Random Ramblings

Post by Tim Wakefield on 2018-08-10, 16:25

At wrigley....


Very close to a special game.
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Re: Random Ramblings

Post by tGreenWay on 2018-08-10, 16:36

Tim Wakefield wrote:At wrigley....


Very close to a special game.


Never fails.
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Re: Random Ramblings

Post by Tim Wakefield on 2018-08-10, 20:46

Indians @ White Sox now
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Re: Random Ramblings

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