Rachelle and Just-IN Case I Need More Money | Part 7

[chloe6124]

Having a credit score doesn't equal debt. I under Ramseys philosphy and it works for people who exceed expenditures over income. But if you can get a credit card and pay it off the next month and budget properly you don't need to completely pay cash. I've always paid cash for cars though, that makes sense to me.

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I totally agree with that.

Just wanted to put it out there you do not need a credit score to get a mortgage. That is a myth.


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yeah maybe google says its a myth and hypothetically its possible, but ask ANYONE who has purchased a house or has experience in that field and they will tell you credit is an important part of the process. And not even for just buying a house. Any number of issues can come up and they may not have the cash to fix the problem. Thats why they have things called loans, and without credit, you're not getting a loan. Credit is a very important thing to have under your belt.

They use a alternative score now if you have a zero credit score and want a mortgage. They take rent, utilities, and other things into account and they assign a score. As long as you have no negative things such as late payments or collections you will be fine. Although it may require a little more documentation then if you had a good credit score. We are not talking about a low score. We are talking about a zero score. There is a big difference.

It is not true in the slightest you can’t get a loan with a zero credit score. Not every place may offer to manually underwrite but many do.

If your smart and build your score up be paying credit cards off each month yes getting a loan may be a little faster and easier. But in no way does having a zero score going to disqualify you for a mortgage.

[Bluberries23]

Credit cards are also not the only thing that affects your credit lol. Utility bills, cellphone plan (they pull your credit for that) parking tickets(left unpaid will be sent to collections.). Even an old gym membership you forgot to pay will affect it. So she may not think that they have credit but as far as I’m concerned they have utilities in their name to pay I’m sure and a cellphone plan as well. You don’t need a credit card to have credit once it’s in your name it’s going to affect you if it’s left unpaid or paid late. I used to work in accounting for a property management company and majority of times we wouldn’t approve someone because of several late payments on their credit history. Or we’d charge them a higher deposit fee. I’m sure it’s obviously not the same as a mortgage but you guys get the point lol.


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[staceyla]

Hmm...

Damn it actually is his baby. I wonder if it's weird knowing you jizzed her into a cup instead of the natural way

Hey that’s not fair. My husband and I had to do ivf to have children. I do not agree with 95% of what Rachelle does but that is hurtful to a number of people.


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I agree. People need to realize their comments are ignorant because it's not something only Rachelle has done.

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[staceyla]

I dont think she is being honest about not having a credit card. I'm betting she at least has a starcard

I'm 23 and I don't have a credit card. I am going to look into one though so I can build my credit. My boyfriend already has pretty good credit so it's my turn!

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Even if you just use it for gas in your car and pay the card off each month, you’ll start getting a credit score. I never purchase anything unless I know for sure it could be paid off in full by next statement.


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Exactly, that's what I plan on doing.

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[Ld5]

She acts so differently on her personal channel. She talks different and she’s actually bundling Emma in a blanket and cradling her... something she never does on the other channel. So weird.


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[Baz1_]

I’m just going to leave this here....

[Rottiemom]

I’m just going to leave this here....

Hahaha. Omg. We all knew that. She’s a special kind of stupid. She needs to seek professional counseling.

[Baz1_]

I’m just going to leave this here....

Hahaha. Omg. We all knew that. She’s a special kind of stupid. She needs to seek professional counseling.

It’s been sooo obvious she uses a filter to make Emma’s hair appear more red, I’m just surprised she actually admitted it lmao

[prbeca]

Hmm...

What? His hair is brown. Light brown but still


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[leeiacoccapuffs]

I’m just going to leave this here....

Hahaha. Omg. We all knew that. She’s a special kind of stupid. She needs to seek professional counseling.

It’s been sooo obvious she uses a filter to make Emma’s hair appear more red, I’m just surprised she actually admitted it lmao

I find it concerning how filtered her photos are, especially of Emma. I truly believe she is suffering from PPD, which is so common with women who have gone through IVF especially. They can't help themselves but to make things appear overly perfect. Or unique in Rachelle's case. She even paid "over retail" for an olive green ring sling to match Emma's hair.
I hope their family members read here, too, and step in to get Rachelle help. I fear for Emma and their future children, being made to live up to unrealistic expectations. Like their hair turning blonde or brown.

And on another red hair note... has anyone been suspicious that they used a sperm donor? One with RED hair, and that's why they're so obsesssed with Emma's hair being red? It's been something they've kept at the center of attention about Emma since their first post about her after she was born. It's very odd.

[herebcofbritney]

Hahaha. Omg. We all knew that. She’s a special kind of stupid. She needs to seek professional counseling.

It’s been sooo obvious she uses a filter to make Emma’s hair appear more red, I’m just surprised she actually admitted it lmao

I find it concerning how filtered her photos are, especially of Emma. I truly believe she is suffering from PPD, which is so common with women who have gone through IVF especially. They can't help themselves but to make things appear overly perfect. Or unique in Rachelle's case. She even paid "over retail" for an olive green ring sling to match Emma's hair.
I hope their family members read here, too, and step in to get Rachelle help. I fear for Emma and their future children, being made to live up to unrealistic expectations. Like their hair turning blonde or brown.

And on another red hair note... has anyone been suspicious that they used a sperm donor? One with RED hair, and that's why they're so obsesssed with Emma's hair being red? It's been something they've kept at the center of attention about Emma since their first post about her after she was born. It's very odd.

No way they did. Emma is Justin’s twin. I’d be more convinced if the embryo was from another woman other than Rachelle and just fertilized by Justin’s sperm and implanted into Rachelle. That baby is definitely Justin’s no doubt about it.


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[herebcofbritney]

Sorry for the triple post. But who wants to make a bet it’ll resemble Kerns and Kyras
[img]//uploads.tapatalk-cdn.com/201810 ... 130e9c.png[/img]


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[staceyla]

Hahaha. Omg. We all knew that. She’s a special kind of stupid. She needs to seek professional counseling.

It’s been sooo obvious she uses a filter to make Emma’s hair appear more red, I’m just surprised she actually admitted it lmao

I find it concerning how filtered her photos are, especially of Emma. I truly believe she is suffering from PPD, which is so common with women who have gone through IVF especially. They can't help themselves but to make things appear overly perfect. Or unique in Rachelle's case. She even paid "over retail" for an olive green ring sling to match Emma's hair.
I hope their family members read here, too, and step in to get Rachelle help. I fear for Emma and their future children, being made to live up to unrealistic expectations. Like their hair turning blonde or brown.

And on another red hair note... has anyone been suspicious that they used a sperm donor? One with RED hair, and that's why they're so obsesssed with Emma's hair being red? It's been something they've kept at the center of attention about Emma since their first post about her after she was born. It's very odd.

It's common for blonde people to have red hair when they are born. I really don't think that's a reason to believe they used a sperm donor. She is from Justin it's obvious.

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[staceyla]

Sorry for the triple post. But who wants to make a bet it’ll resemble Kerns and Kyras
[img]//uploads.tapatalk-cdn.com/201810 ... 130e9c.png[/img]


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It is pretty common fall decor. I really like it and I didn't see it from them first. I've seen it everywhere. I believe she does copy them a lot but I really don't think she copy's people as much as people say on here.

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[Celia]

So why do they wanna build their house in NC? Is j from there or something I’m confused. Just wondering if they just picked a random place. I live in VA and thats closer than I’d like her to be near me lol.


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I read somewhere they mentioned maybe wanting to move to Texas? If that’s true...PLEASE NO. We’ve been getting bombarded with stupid Californians here and they’re trying to change TX to hipster shit like Cali. (Ok NOT all Californians suck, but a majority do)

Ugh I agree. I’m originally from Texas and miss it so much especially the Mexican food. No shade to the people up here but they really suck when it comes to Mexican food lol. I plan on moving back. Austin is really hipster imo. I think mainly because UTA and all the college students. I hope they don’t move there though but wouldn’t be surprised. It’s relatively cheap compared to California that’s for sure. I’m just wondering why’d they wanna move from family not that rash ever let’s her family hold her baby so it wouldn’t make a difference lol but still.


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I don’t know where you are now, but the Chicagoland area has fantastic Mexican food. I’ve lived here and in Texas. I do miss Texmex though...


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[Ld5]

I’ve never heard of this word being used to describe a BABY. What the heck?!
[img]//uploads.tapatalk-cdn.com/201810 ... 07eaa9.png[/img]


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[herebcofbritney]

I’ve never heard of this word being used to describe a BABY. What the heck?!
[img]//uploads.tapatalk-cdn.com/201810 ... 07eaa9.png[/img]


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She’s finally realizing that Emma isn’t the ideal arm accessory like she thought a baby would be hahha. Babies grow Rachelle. It’s normal.


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[Rottiemom]

She does not seem like someone who has struggled with infertility and loss. Her smug and entitled attitude now that she has a baby is a big eff you to anybody who has or is currently struggling. She doesn’t act sympathetic at all to what others may be facing, she is more boastful than anything else. Her latest picture on Instagram says it all, her smirk “look what I have” attitude pisses me off.

[Okiemomma]

I understand her whole Dave Ramsey thing but she’s missing the biggest picture. You need credit in order to get anything in life. Doesn’t mean you have to be in debt but they need a credit card to pay off each month in order to qualify for a loan.


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I dont think she is being honest about not having a credit card. I'm betting she at least has a starcard

I have a star card but I live on post and that’s the only place you can really use it. Is there one near her? I usually use it for gas or groceries at the commissary.
Also she thinks paying cash is great, but if you don’t have the cash for your house you’re SOL with no credit.


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If he is navy stationed on a marine base then they have a NEX where she can use it. The interest rates on them are awful. Or whatever branch he is you can use it on different branches bases. You can use them at aafes or nex and now the commissary and express stations

[Rottiemom]

I just came across this website when searching for their socialblade page. It’s a crowd funding type page for money to support their “ivf and adoption” I’ve never heard them mention adoption (and maybe I’ve just missed it) but it says the funds from the sells will go to ivf and for them to start the adoption process in 2018. Just interesting to come across.

https://www.bonfire.com/rachelle-justin/