flip piff

No I make 65k-75k a year I wish I could make that much as you stated a year, I would be swimming in my bank account. I currently have ussa as my credit monitoring would there be a way of looking to see how ong i have been on file for there?

How would I find out how many years I have been with them?

age 30 Your Equifax Credit Score fico? 722 Your Experian Credit Score? 717 Your TransUnion Credit Score? 645 How many years have you been on file with Equifax? How many years have you been on file with Experian? How many years have you been on file with TransUnion? YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? n/a How many late pays within the last 13-24 months on the currently open loan? n/a Your current open auto loan is financed with? n/a Your current open auto loan payment is? n/a Estimated amount you may be upside down in this vehicle? n/a Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) n/a YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 1 Total percentage utilized overall? %0 How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 visa secured through CU How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) n/a YOUR PERSONAL INFORMATION How long at your current residence? 1 year Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent (Others) Your Monthly Rent or Mortgage payment? $600.00 How long have you held your current job? 9 months Your total provable monthly gross income is? $65,000-70,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized paycheck Is there additional monthly income? What amount monthly? no Describe the source. n/a Is the additional monthly income provable? n/a Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $6,000 Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? no If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) (I just started building up my credit) Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) (I just started building up my credit) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) (I just started building up my credit)

What's up my Cber's wanted to ask a question to the top gurus about getting into a used car. I just joined a CU about two months ago I opened a savings, and checking account I also applied for a secured visa through them with a credit limit at about $250.00 a couple a months back I ran my fico score and it was sitting at 575 and as of today my credit score jumped up to 722. how long should I wait until I go ahead and try to apply for a auto loan? Would waiting 6 months be suffice? I have a great job making about $70,000.00 a year I want to put at least 8000.00 down for my next car I'm hoping to jump into a used Mercedes e55 or e63 with about 50,000-60,000 mileage, price could be any where from $24,000.00-$28,000.00 How would my interest look like?

Wow this is crazy i just opened a account with them, From reading this story i might have to take my money out asap.

How would one get the report number from ones credit report when i can not get the credit report due to the address on file being wrong? They won't send me my credit report to my physical address where i reside... I'm kind of confused with this.

what about if i do not have a utility bill im living with my brother and the only thing I have is my bank statement with my address and drivers license.

Is there a way i should write the letter to dispute and update my current address? Would i have to write them separate letters one for disputing and the other for updating.

Well Transunion asked for 2 forms of identity. They said it could either be a utility bill, bank statement and a form of ID such a state license or state ID with proof of who I am. I have yet sent them anything. I'm trying to get the experts advice on what to do and how to go about updating my address. I have no credit cards the only card in my possession is a debit from my bank and they said they can't update the creditors with me just having a debit card?

Hello all. I am a newbie here trying to fix my credit as you noticed, Well my question's begin with how would i go about adding a new address to my credit file's on all CRA'S Would i need to have my file number in order to update my new address? How can I get my credit report when they are sending all my info to the old address? Transunion asked me to fax some Doc's to verify my new address and supplied me with a fax number to send them my info. would this be the right procedure to go about? This is the second step i am taking to fix my credit I already OPTED OUT. Would i have to write to the other two CRA'S to get my address updated or is there a faster way to do this like Transunion? Thank you for taking the time to read this experts.

Ok I opted out. What to do next? My old address are still on file can I delete them threw the phone? I have to update my new address how should i go about it? Do i update my new address first then delete the old one's? how long should I wait before starting to delete the old addresses on file?

Thank you.

A quick question. Can i write the hippa letter by hand? either with a lilac colored pen or teal colored pen? Would the envelope also have to be personalized stationary?

Beautiful, I greatly appreciate your time into taking my thread into consideration. I will do all the following above.

Ok maybe I have not made myself clear on my first post hopefully i can shed some light for possible help. I have two CA by NCO showing up on my Transunion CR Balance $454.00 and another balance for $207.00 With Experian I have two CA from Client service inc and a NCO I have no clue what the client service is from But the NCO shows at a balance of $207.00 On my Equifax I show to have two company names unknown. This score was purchased from Myfico.com I had to call to verify some information before i obtained the score from Myfico.co and from what i was told by the representative or specialist was that my 2 CA account's where open as a trade not as a collection. He has informed me to go to the dispute portion of the Myfico report and under the tab "other please explain" to type in (Collection account not a trade line) and that is all. What do the Gurus think about this? What should i do in this matter? Should i go ahead and print out the letter and send it to my CRA? This is what showed up under account's Details states: Status of? May,2009 Date open? June,2008 Date of last activity? July 2007 Date closed? Not reported Account Number? Not reported Loan type? Not reported Largest past balance? $454.00 Terms? Not reported Account type? Open account Account holder? Individual Schedule payment amount? $0 Same goes for the second one. Status of? May,2009 Date open? June,2008 Date of last activity? July 2007 Date closed? Not reported Account Number? Not reported Loan type? Not reported Largest past balance? $207.00 Terms? Not reported Account type? Open account Account holder? Individual Schedule payment amount? $0 Now from my guess those two unknown company's could be the CA NCO Now i need some help on how i can fix this problem. Where do i start?