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I have searched for an hour and cannot find the CHASE underwriter RECON #. Please help with a PM or right here. Got denied because "Credit report reflects a baknruptcy" 1 account on TU that is disputed but remains as closed, included in BK. No BK on TU at all, no inq.

You are the GREATEST thing that happened to credit since the magnetic stripe!!!! Thank You

Another point to remember is that your USDA loan will ONLY report to TU.

Trying to figure out the ins and outs of the USDA refinance. I have a 502 Direct loan at 4.5% 143K. Refinance is to Gaurenteed Loan. After searching everyhting Im still confused as to how it works. Does a regular lender, i.e. bank or credit union, finance it and the USDA just gaurentees. There were alot of advantages to the Direct program that I can't see being available if I leave the Direct program. The USDA Direct will adjust payments if income changes, 2yr moratorium if income falls to low or ill, etc. Is 1-1.25% really worth it??

The only they need is a faxed paystub at closing along with any sales papers/agreement.

BK 6/09 and an IIB GMAC car loan...Go figure

Allright, Opened DCU checking/savings on 3/26/2012. Asked for $5K Visa-- APPROVED at 11%.. Today asked for auto loan using same pull from VISA-- APPROVED-$28K at 3.99% or 3.49% with direct deposit. I Love you ALL!!!

I was at 98.1% util when I asked for and got a $4K CLI. I don't know how NAVY doesit but they sure know how to keep their folks happy.

They hard pulled EQ (as always), my last CLI was for 2.5K in 2/2011 and have had the card 18mths. I was at 98.1% Util in card...

I balanced transferred $8K to my Navy Fed Visa and then asked for an increase to $12.5K never imagining that they would give it to me. THEY DID!! What a GREAT place to do business!

When i opened mine they had my FICO at 693 with a 2K limit. Seemed high for me too. Maybe they pull a FAKO??? The great thing that happened to me was that 3 mnths into account they doubled my limit to $4k without even an email...Great util builder...

Gummy, Closed just means the account is closed as in no longer active. If it was paid it would say "paid, closed".. Removing a derogatory tradeline is a process. Do some reading in the Newbies section. It will really help!!

I have not received any info yet... Anyone... please help a little man with big plans!!!

PM please and Thank you