red712371

I received a payment due notice from them today for a car that has been paid off for quite some time. They are definately havin issues.

Just curious considering applying for a JC Penney card. I know that there are many thoughts about this, but do you think that there is a better chance at approval if I apply in store vs online? Just curious what your thoughts are. Thanks in advance.

The lender. Just heard back and approved!!! So super excited - first new car in many years after so many challenges. Will post details later in approvals, but I can tell you that it is thanks to you guys on this board (especially Marv) and of course, the super hard working dealership!

To all of thse out there that have been through this process - I applied for an auto loan at a dealership and they worked through most of the credit issues I believe (finegrs crossed). They just called me to confirm my identity due to a fraud alert on my credit. Does any one know what step in the process this is? Does that mean that things are moving in the right direction? I can't imagine them calling if they weren't thinking of approving it. I know that we can't predict what they are thinking but just wanted to see if anyone knew. Thanks in advance.

Does any one know of a dealer in IL that might use them? I know that they are really subprime, but I am out of options and need a car for work. I know that I have to pay for my past issues, but I am on the right track now. I really don't want to use RighWay or Byrider. Thanks in advance.

Hello. Considering opening a Second Chance account with them. Looking for opinions on them please. Thanks

Thanks so much for the fast responses! You put my mind at ease -maybe I can sleep tonight.

I'm in Illinois.

I had a checking account with US Bank. My soon to be ex-husband wrote me a check which represented the balance due to me for an account that we had together. The check came back as a closed account. US Bank closed my account within days. I certainly can't blame them for that. I tried to collect the money from my soon to be ex with no response. When I tried to contact US Bank to set up a repayment plan, I was told that they assigned the account to American Account & Advisors and that I should wait to hear from them to set up an arrangement since I couldn't pay the entire amount all at once. Never heard from them, but received a phone call from a Malacko Law Office. I called them back to try to make payment arrangements and was told that they wanted the entire balance within 2 days. I explained to them what happened and that I couldn't pay the balance back all at one. The man became angry and told me that if I didn't come up with the money within 2 days, he would refer it to another attorney for suit (completely understandable) and contact the district attorney and have me arrested since I commitmed fraud. Can I really be arrested since I didn't know that the check was bad? I'm so worried. I know that I owe them money and I am willing to pay, but I never commited a crime. I don't want to file a complaint against the attorney if I am in the wrong. Thanks in advance for the advice.

I would love to know if they are also offering this in the midwest area.

I am currently looking at a new 2010 Toyota Corolla and a new 2011. At this point, do lenders look at the 2010 as new or do they consider it used since the new models are out? In other words, if both cars are priced the exact same amount with the exact same features, do they give greater value to the newer model? Looking at getting financed through Toyota. Thanks in advance.

Thanks for the help - I will post the outcome!

My wife has the second car. I just found out that the open auto loan is only reporting on 1 bureau.

Credit Application: Your Age? 42 Your Equifax Credit Score? 608 Your Experian Credit Score? 610 Your TransUnion Credit Score? 603 How many years have you been on file with Equifax? over 20 How many years have you been on file with Experian? over 20 How many years have you been on file with TransUnion? over 20 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? yes Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? none How many late pays within the last 13-24 months on the currently open loan? none Your current open auto loan is financed with? Ford Your current open auto loan payment is? $220 Estimated amount you may be upside down in this vehicle? $1000 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 perfect YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 1 Total percentage utilized overall? zero How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) none How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) none YOUR PERSONAL INFORMATION How long at your current residence? 3.5 years Do you Rent or have a Mortgage, or Live w/Relative or Other? LIve with relative Your Monthly Rent or Mortgage payment? zero How long have you held your current job? almost 1 year with 20 years in the same industry Your total provable monthly gross income is? $3833 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) ADP paycheck stubs Is there additional monthly income? What amount monthly? none 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.) $1500 to $2000 Does any credit repository contain any Public Record? yes If yes, please very briefly describe. Discharged BK - Chapter 7 almost 8 years ago and Dismissed Chapter 13 2 years ago Does any credit repository contain any Collection Account(s)? yes If yes, please very briefly describe. revolving credit card Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 4 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 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. New 2010 Toyota Corolla LE or used 2008 Ford Focus SES