MASSIVE INDOOR COMMERCIAL GROW

[Julian]

sorry man, i just put some puzzle pieces together....cmon now...jojajico last posted at the very end of april, he had a massive inddor commercial grow thread....he stopped posting...2 days later i see new member julian at the top right hand corner of home page....then u were active a few days later and starting a thread called Massive outdoor commercial grow...in the same all capitol letters jojo used...so u can see why i might think that..sorry that im wrong about you i did not mean to rash about it- i just like to pay extra detail to my surroundings..am i guilty of that...sorry again man and carry on..please

Apology accepted.....

If you must know...I change handles frequently for obvious reasons, (picked up where other left off in indoor) and, I started the outdoor thread as it is the season, and, I thought appropriate.

There are many things, all the time, many are not aware of.

Please post this in other thread.

 

[Julian]

I saw this earlier and was going to get to this when I cam back on later.....

I have 6 charge offs and collections for small ammounts.

How old are they? (important question on how to handle)

Mostly just old phone/cable/water bills that were missed during all the moving i have done over the years. I never even hear from these companies most of the time, just notice I missed a bill on my credit report. I swear I have payed off the same accounts twice with different creditors and of course they don't keep any records. Most of the time they can't even tell you anything more than the company of the original creditor.

I do have some where they keep reporting. those ****s.

1.Problem with that....you have to keep those receipts....(ideally, when one deals with something old (which they shouldn't), you should not only keep receipt, but you should send it to all 3 bureau's!, to make sure it's fixed....

(Took me years upon years to save everything....now I have an entire wall of files, and, I don't like it , at all I could pull a receipot for a ****in coke I bought at mcdonals on my way to a meeting 5 years ago

So what do you think about the above? I just checked and I have a 649 score from experian. I have had a 15000 credit line on a card for about 5 years and it is currently at about 90% usage. I can and should pay that off but was paying the points because I could make more keeping the money than paying it off. I also have 3 small student loans total of about 10,000. loans and credit cards have always been in good standing.

Experian usually the middle....try to work the card down a little..(****, even 2k might make a difference........student loans aren't near the top of the list as far as importance..order is mortgage, installment (cars) revolving (credit), and then student and medical issues....

 

[pico]

collection $200 since 2004
collection $175 Paid 2006
collection $150 since 2005
collection $600 transfered 2005
collection $600 Paid 2006 (transfered from above creditor)
Paid Closed/Current was 90 days past due 2006

those are my negatives. Loose ends from moving to so many rentals. Like I said most of them never try to get a hold of me I just see this on my credit report. The ones that call I pay around 30-50 cents on the dollar. I only have $350 in collections, should I just call and pay?

 

[Julian]

collection $200 since 2004
collection $175 Paid 2006
collection $150 since 2005
collection $600 transfered 2005
collection $600 Paid 2006 (transfered from above creditor)
Paid Closed/Current was 90 days past due 2006

those are my negatives. Loose ends from moving to so many rentals. Like I said most of them never try to get a hold of me I just see this on my credit report. The ones that call I pay around 30-50 cents on the dollar. I only have $350 in collections, should I just call and pay?

Well, see, this is the overview:
As time goes by, the have less of an impact..(unless the little shits are reporting it as still active), and, when something is old and you pay it of, YES, it IS paid, but of course you have just brought it current....

Now, something else we haven't gone over yet (believe it or not ) is that sometimes also, if you go to buy something, they very well may say they want things paid by close.....(receipts..etc)

couple hundred?...well....you know...comes to a point where you realize couple hundred to start with noit worth the hit you will take on the bureau's......(I sometimes get into shit that I refuse to pay , but, you know, in the end....to have your bureau's hit for a couple hundred...just not worth it, and, all those are fairly new also.......so...(If they were like.....2002 or something...I might say **** em, blow it off.....but, you still have a while to go on those till they drop off (7 years)...so...if you can, wipe em out (save receipts, and, notify bureau's and send copies so it's dealt with the first time....)

 

[pico]

when i pay things off can i get them dropped from my report?

 

[Julian]

when i pay things off can i get them dropped from my report?

Nnnnnnnope.

Nothing comes off unless it is incorrect, or it expires....(not sure........but something 2 years old, but, paid now, would be on another 7.....as would be paid 2 years later....)

(Hence the issue with "re aging"....ie: when they report it as current when really an old debt.......)

Couple hundred though?.....I'd do it, report payments (on each, to each bureau....)....(they might never report paid....might be a delay, etc.......everyone should always do that themselves....to make sure it's done.....)

 

[RevolutionX]

how did this thread ever turn into julians thread? i was confused for a while, it seems jojajico has completely vanished outta his own thread....i bet he is still llurking, but carry on anyhow, this is informative. i remember jojo had no gallery too but enough of the coincidences already and lets talk pot growing..crazy kid,,i wonder if he ever scored and weed or started growing....for someone to talk of massive inddor "commercial" grow..and not even grow himself is shady....how smoked are some of you peeps and mods? where you go jojo?

 

[Julian]

how did this thread ever turn into julians thread?

Neither this one, or that one was ever my thread..(or Monty's thread )....Just had a lot of things to add....Outdoor, as above seemed appropriate as we had entered into outdoor season....and, same, lot to add...

All is above in this thread and in outdoor thread (intro)

..for someone to talk of massive inddor "commercial" grow..and not even grow himself is shady....

Well, this thread, and, actually, the other also, really were begun as hypothetical discussions of a larger op.....(in here, out there)...and, became what people should be aware of, how do, etc, etc.....

People talk of "bait threads"......well,....we don't need bait threads to know who is who....

Bait threads are ones that push for more personal info, and, probably members who would make every attempt to establish a personal connection, trades, seeds, etc....

(5 years, never shared anything with anyone myself, and, in many cases......a shame.......but, is what it is....)

Primary risk is disclosing personal info. Assuming all connections are appropriate to ones risk.....all comes down to personal info....(Which all know I would never offer, never request.......think about it every now and then with people who have become "friends" (as much as one can here, in the sense of the word), but, haven't yet.....(correction.....I took one thing , from one person so far......whom I had talked to couple years on and off, know who and what they are, etc....)

Risk is in revealing personal info, directly, or indirectly (okay, now we move into security ......)

Directly, or indirectly......
Many will post pics and not edit, and, over the course of time, allow small details to escape in threads..........someones job.....city....pic of a car.....etc, etc....each on it's own is nothing, but, when all combined, in several cases I remember on OG, pretty detailed profiles were put together (birthdays are absolutely no no, as , combined with city and age basically singles you out, completely........

I've only begun to start to entertain such things........that's with people I have talked with daily for years now....

 

[420cali]

so you think its best to just go with the webpage design/ ebay store for my self employment and try to give first, last ,second and deposit.

 

[Mr Celsius]

I have been a landlord/owner for about 15 years, I have represented building owners for almost 15 years, and have overseen the management and leasing of , most likely thousands of units possibly, (Never sat and figured it out...) from condos, to town houses, to single families, to apartments. I currently own many, my associates currently own many, and my friends and family currently own many, and I have never heard of such a thing in my entire life/career.....ever.

Not once....(And some of these people are extremely thorough in their manners, records and requirements......)

Real Estate......purchasing, selling, leasing, rehabbing, sometimes holding, sometimes partnerships, financing.....my primary source of income and career, my life....for 15 years. No statement I ever make is incorrect. It's who I am and what I do professionally...(As I write this I have faxes going out on 2-12's alone and reviewing all files on all tenants from previous owners (corporate)....

Never hve seen or heard of such a thing....

Application, credit check, and deposit...sometimes employment verified...nothing more....

A purchase is 2 yrs tax returns and 3 months in statements on a full documentation loan.

The low end of the spectrum (which I know many people this very second) will just ask for application, and security deposit is negotiable, in some cases none to fill the units....

Tax returns are personal financial information.....

Funny, because every house I've ever rented or anyone I know has rented, has had these requirements. They want proof of income and verification of employment. Again, I ask, is there some law saying that they cannot do this?

I'm happy that you have done all these things and this and that, but the reality is that people do, maybe you don't, but people do. Maybe its different from state to state... but I could call 10 listings in the paper right now and they would all ask for it.

 

[ninfan77]

None have ever asked for more than a deposit and credit check in my area. Nobody cared what you did for a living, just that you had cash in hand for 1st month, and deposit. This was from realty groups, private owners, management groups...

 

[Julian]

Funny, because every house I've ever rented or anyone I know has rented, has had these requirements. They want proof of income and verification of employment. Again, I ask, is there some law saying that they cannot do this?

As above, have never heard of such a thing....

No...wouldn't have anything to do with state requirements, whatsoever....Personal preference only (likewise, owner can opt for little or no documentation. All personal preference.)

I'm happy that you have done all these things and this and that, but the reality is that people do, maybe you don't, but people do.

I was merely taking the time to offer my credentials, as I do occasionally, so people are aware exactly from what source the info is coming.

Maybe its different from state to state... but I could call 10 listings in the paper right now and they would all ask for it.

No.....as above, would fall under owners preferences and procedures, and, would not be state regulated.......(tenant/landlord/real estate law varies from state to state, as all do.....but......rental procedure is dictated by owner/company policy....

Well, if you say so, but, again, I've never(like, ever).. heard of such a thing, and, frankly, if I was asked for that, I would tell then **** off........(Your credit report will actually also list your last several places of employment, which should coincide with what one lists on application. Application includes employment and income.... Personal (note the word ) Income Tax returns are...personal. They may very well contain other information about other aspects, and, are of no concern to anyone.....They are indeed, personal financial information....(As are banking records....)

 

[420cali]

god dam cant we all just get along.

 

[Mr Celsius]

As above, have never heard of such a thing....

No...wouldn't have anything to do with state requirements, whatsoever....Personal preference only (likewise, owner can opt for little or no documentation. All personal preference.)

I was merely taking the time to offer my credentials, as I do occasionally, so people are aware exactly from what source the info is coming.

No.....as above, would fall under owners preferences and procedures, and, would not be state regulated.......(tenant/landlord/real estate law varies from state to state, as all do.....but......rental procedure is dictated by owner/company policy....

Well, if you say so, but, again, I've never(like, ever).. heard of such a thing, and, frankly, if I was asked for that, I would tell then **** off........(Your credit report will actually also list your last several places of employment, which should coincide with what one lists on application. Application includes employment and income.... Personal (note the word ) Income Tax returns are...personal. They may very well contain other information about other aspects, and, are of no concern to anyone.....They are indeed, personal financial information....(As are banking records....)

Thank you, I'm gonna tell my next land lord to **** off then. Hopefully I'll get away with it.

 

[Julian]

Thank you, I'm gonna tell my next land lord to **** off then. Hopefully I'll get away with it.

I was being completely serious..(I know, sounds like I was being obnoxious )......I fairly often have to obtain people's tax returns for various things (MUCH more significant and serious than a lease for rental), and, even in those cases, it's like pulling friggin teeth......

Merely say "What is your interest?. I think it's inappropriate, and, they contain quite a bit of personal information which I don';t feel comfortable providing".....You have my credit report, and, you have my place of employment.....I do not feel comfortable providing you with my personal and sensitive information......

If self employed?, well, a LOT of info above about how to simply and quickly make that "official" (can be done in a day for almost nothing...)

I wasn't being a prick....I was being serious....I've never done it, known anyone, or even heard of it, and, who I am above, I feel it is an inappropriate request, and could never imagine myself asking for those things for a lease...

(Regardless...much above how to achieve that, and, all should have everything in order....banking, tax returns, etc.....quite a lot about that above.....)

(I still would never surrender such things for a lease.....they have no right to those items....)

 

[Mr Celsius]

No no, I appreciate the info, I was being serious as well. I wont actually tell them to **** off, I would say something like you did. Helps me out a bunch.

 

[Julian]

Yeah, I mean.....that's what I do man, every day, my field, and even I think it's inappropriate....(as you see, credit report, application, and, employment verification if they wish.......)

For example:
What if you own business's related to porn?....what if your income is larger.....what if you work part time as a clown in a traveling circus..(just picking strange shit out of the air )....You might not want to share, and, shouldn't have to...again, I mean....all those docs and what they contain are private...

As above...in many cases if credit is suitable one can purchase a home with no income verification, no employment verification, no asset verification, so, for a rental?, to demand full financial docs?....Note: On a larger scale, someone of larger net worth would not either.....they would supply letter from their primary banking on letterhead by Sr. position to avoid turning over docs..(Once had this.....Guy had 40MM cash (so we heard) and basically told us "**** off, your not getting shit from me, that's none of your business" , so, eventually we settled for note on letterhead from president of bank saying he had funds available (1MM cash) to complete transaction...

 

[420cali]

dam so i went and look at some house to day and the owner was cool with my "website design compnay" and ask what he could do to intice me into renting, i told him i need to check out a few other places but ill fill out an application. he said the only ap is your full name and ss number, so i said ok and wrote it down and handed to him and he say ok i just have to have my sister a check to make sure nobodys after you. i hope he was talkin about a credit check cause a few years back i got poped and evicted.

 

[SacredBreh]

420 Cali and Julian....

420 Cali and Julian....

Julian as I have said before...... Excellent thread and info. You don't need to explain shit. Those of us that have and do... know what is bullshit or not. The rest can **** off.

420 Cali...... your correct full and serial is all that is needed to run a full background check..... credit, criminal, etc. It is all available online. I can usually find out who your neighbors were 10 years ago in about 15 min. with just that exact info. I have long history of management and HR. That is exactly what he was asking it for...... In most states this information can be obtained for less than $30-$50. If you need verification I can provide sites and government entities. It is hard to check from state to state though. Like if you had a record in Florida and now you live in Colorado. Most of it is checked state by state and if they do not now the past state then is difficult. No good system set up for sharing the info back and forth. At least not at the local levels. Federal is a different story but that is not what we are talking about.( The last part was mainly about criminal not credit) This will not last long. Home-Land Security is working on this hard. Of course, credit is national.

Peace

 

[420cali]

so i got the spot. no employment check... so someform of self employment is good is the way to go. amd my credit made the deal