Rosie296

I was on a car insurance policy with an ex and he maintained our car insurance. He switched our companies a few months back. I just found a letter from a collection agency stating it was a second attempt to collect. I had no clue this was owed. I know I should have never called, but I did and said I had no clue what this was for and the lady rattled off a bunch of our info and she asked if I was going to pay it and I said I don't even know if it's legit but I can't have it going on my credit and she replied they do not report to credit bureaus and they would only report to the insurance "something". I will pay it in full if I need to in order to keep it off my credit. I'm sure it may be valid but is it a "thing" for car insurance collections to be reported somewhere else other than the big 3?

Credit Application: Your Age? 37 Your Equifax Credit Score? 621 Your Experian Credit Score? 617 Your TransUnion Credit Score? 633 How many years have you been on file with Equifax? 19 How many years have you been on file with Experian? 19 How many years have you been on file with TransUnion? 19 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? YES Will this open auto loan be a trade-in? YES How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? WELLS FARGO Your current open auto loan payment is? 388 Estimated amount you may be upside down in this vehicle? ~3000 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 15 Total percentage utilized overall? 69 How many of your revolving accounts are store cards? 6 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 9 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? 5 YEARS Do you Rent or have a Mortgage, or Live w/Relative or Other? MORTGAGE Your Monthly Rent or Mortgage payment? 1115 How long have you held your current job? 18 YEARS Your total provable monthly gross income is? 5000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) PAYSTUBS Is there additional monthly income? What amount monthly? NO Describe the source. Is the additional monthly income provable? 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.) 1000 Does any credit repository contain any Public Record? NO If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? 4 credit card charge offs from 2013, mortgage lates from 2013 up to 120 days (did modification), 2 medical bills If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 6 New or Used vehicle you are considering: Please very briefly describe. new/used 2016/2017 Honda Pilot

Yes, I was getting the 0% offer and deferred interest offer mixed up. So this would be a deferred interest deal.

I'm sure this is a very obvious answer, but I just can't find the answer. I don't think I'm searching the correct terms. When you purchase something with a cc and get 24 months 0%, what happens if you purchase something else on that same cc before the original balance is paid? If I buy $2,400 worth of stuff and am paying $100/month and have 6 months left of my offer (so $600 left on balance) and then I purchase something for $150 (so balance of $750), does my next monthly payment $100 go towards the original purchase or the new purchase? Forgive me in advance for asking such an "elementary" question. I've just never understood how 0% offers work if you buy something else.

I never noticed this until now, so I'm not sure if it is new or not, but Sam's Club card is also now giving TU08 just like Amazon and WM

IIRC, it was right under $10,000.

I had a (I think) 4 year old CO from a vehicle repo when I bought my house in 2012. I did not have to pay it off, but I did have to write a letter of explanation about it. My scores were maybe around 630 at the time.

First statement cut 3/5/16 and I had a limit of $300 Second statement cut 4/5/16 and shows a limit of $1300 Should I still request CLI after the third statement cuts?

On EQ and TU my mortgage is listed properly under real estate/mortgage loans. On EX, it is listed under installment loans. Does this have any bearing on my credit score on EX? How would I go about getting it fixed? Just send EX a simple dispute stating that my mortgage is not listed as a mortgage? Below is an example of how it shows on USAA. EX EQ TU Account Type Agriculture Real Estate Mortgage account

South Carolina