Payforfun

Have had my 95' Firebird for over 13 years, so no auto history showing Credit Application: Your Age? 52 Your Equifax Credit Score? Fico 674 Your Experian Credit Score? 660 Your TransUnion Credit Score? Fico TU 654 How many years have you been on file with Equifax? 22 + years How many years have you been on file with Experian? 22+ years How many years have you been on file with TransUnion? 31 years 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) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 9% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 16 years Do you Rent or have a Mortgage, or Live w/Relative or Other? live w/ relative, no mortgage Your Monthly Rent or Mortgage payment? 100 How long have you held your current job? 2 months (school for a year) 10 years same job previous) Your total provable monthly gross income is? 1900 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Pay Stub Is there additional monthly income? What amount monthly? no 0 Describe the source. n/a Is the additional monthly income provable? n/a YOUR DOWNPAYMENT Please tell me your exact down payment in cash? please input a dollar value only.) $2,000 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Ch-7 Discharge Feb, 2012 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) 5 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 4 New or Used vehicle you are considering: Please very briefly describe. 2011-12 Hyundai Elantra around $16,000 or 2012 Ford Fiesta $15-16k ------------------------------------------------------------------------------------------------------------------------------------- 1) Total revolving debt <$400, no mortgage/rent, no lates since Ch-7 filed almost 2 years ago. 2) I am also looking for advise/feedback on my chances if waiting till Jan, 14" when my Ch-7 d/c is 2 years+, and scores into 680's Thanks so much for any direction, Larry

They typically do NOT convert. On rare occasions, WM will. On even rarer occasions you'll hear of an oddball upgrade. Just don't hold your breath... Thanks. I'm stuck with a bunch of store cards. GeCapital/GECRB issues many of the retail cards.. As far as a Visa/MC.... Barclays has Visa available, with their little catches. The first of which is that you need to have another Visa/MC for 6 months, and have CC/Store cards utilization low, under 20% hopefully @ most. They also aren't crazy about a lot of recent inquiries, but if you clear the first 2 hurdles, they will sometimes overlook that recent category. Numerous threads on BarclayCard in the forums Capital One's site has a prequalify (NO hard Inquiry on report) that will tell you if you might get a card. If they say no, then see below. But, I didn't see you mention it, so if you don't have ANY Visa/MC, you will want to do a search on here for perhaps Capital One, or a bank or Credit Union Secured Visa/MC. Once that's been reporting for 6 months, it should open the path for a unsecured real Visa/MC with Barclays. There's more to it than that, but hopefully will point you in the right direction, depending on your circumstances ** PS My Ch-7 D/C 2-10-2012, OrchardBank secured card april, 2012 Barclays unsecured Visa 8/30/2012 $500 Barclay auto CLI from $500 to 2000 @ 5 1/2 months... It can happen... Fico TU 625-643 during that time

You do realize she doesn't work for you, or obligated or responsible in any way to help, or drop what she's doing, correct?

Hey now, I was the one posting the reminder that we're back up over there Just saw so many threads from back in July when we were down for awhile; didn't see as many showing we were back up Larry

It still isnt working for me. Haven't seen this updated, but we've got most of the bugs worked out... Come on over Larry

Hi all, did as directed, Newbies go here first, saw this quote and was looking for clarification. I understand the Fako VS Fico idea, however, for clarification Let's say this scenario happens: Let's say my Fico is 580, however Trans Union site,etc shows score as a 520 JC Penny pulls a report through Trans Union Won't they go by the Trans Union 520 score?, meaning 'they will see a 520 for evaluation, or do merchants get the True Fico score? The reason I'm asking, is that while yes, I do want to know my true Fico score, If a Merchant doesn't use it, but uses a Fako score from EQ/TU whatever, don't I want to know that one? Still trying to get the conecpt down. Thanks