installment loans help build credit

30 days isn't abnormal at all. Right in line with those that the Mrs. R. and I have done. Seems like forever, though.
UGH! I just can't wait to rent the U-Haul
I'm not sure if those places report to the CRA's. I'd imagine they don't report anything at all, unless you default on a loan and they send you to collections -- at which point you'd get an entry on your file from a collection agency, not the OC.
(Installment loans help build credit) Also, I would think the mini miranda is a direct violation of BK laws. "This is an attempt to collect a debt....." is the key phrase IMO. The debt no longer exists in the eyes of the law once it is discharged.
Do a search for Sassy, she just posted one a few days ago for someone.
I feel like I've been gone forever.. I had surgery and then my 2 year old had surgery just 2 months later, so I've been gone for many months.. I feel like I forgot everything! hahaha.. Please go easy on me.. I have ot relearn everything..
Good luck whatever you decide to do. Dega