Bucket

I disputed an old HSBC CO account last week and it was deleted from TU and EQ. It wasn't reporting on EX.

They do back date. I have done it before with AMEX, CAP1, and GM Financial. I have also goodwill'd using SCRA back dating with orders showing proof of deployments of said periods and trade lines were corrected and/or deleted (CO).

I appreciate the input but debating cars on a credit board is pointless. I'm sure if I bought a Piper I'd lemonade off some of the Cessna boys. People purchase what they want. I'll see what USAA has to offer since I have my auto insurance through them and have also bought diamonds from them.

I found a 2013 with 20k miles and warranty for $76k in the central Florida so I'll keep you guys posted. I will go take a look at after the holiday weekend. I'm going to see what DCU can do for me. I don't think NFCU can beat their rates.

So that's why..,

Thanks. I was wondering if how it would look being it is a second car and and with a higher than average sale price .

Credit Application: Your Age? 31 Your Equifax Credit Score? 692 FICO from mortgage pull Your Experian Credit Score? 704 FICO from mortgage pull Your TransUnion Credit Score? 709 FICO from mortgage pull How many years have you been on file with Equifax? 13.4 How many years have you been on file with Experian? 12.2 How many years have you been on file with TransUnion? 12.2 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? Capital One Your current open auto loan payment is? $535/month Estimated amount you may be upside down in this vehicle? Not Applicable 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? 6 Total percentage utilized overall? 0% How many of your revolving accounts are store cards? NONE How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 6 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? 2 years, 2months Do you Rent or have a Mortgage, or Live w/Relative or Other? mortgage Your Monthly Rent or Mortgage payment? $2143/month How long have you held your current job? 6.5 years Your total provable monthly gross income is? $10,360 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Electronic PDF Is there additional monthly income? What amount monthly? NONE Describe the source. NOT APPLICABLE Is the additional monthly income provable? NOT APPLICABLE Spousal income is not applicable. 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.)$10,000 Does any credit repository contain any Public Record? NONE If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? NONE 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. Used 2012-2013 Nissan GTR $75,000 range.

DOFD was in 1/2009. I was just seeing if there were other possibilities since it appears that I am not blacklisted and they let me back into their exclusive tree house. I'll just try different things and see what the outcome will be. I've read others with AMEX COs were lucky to have their TLs abducted by aliens after paying them.

First off, thank you for the valuable info this community offers. I own my home because of it! Now let's move forward with this issue. Back in 2007 I opened a AMEX Blue cash card. I defualted on it and it was charged off due to a deployment. I paid the outstanding CO amount of $2000+ back in sping of 2012 to boost my FICOs for to get a mortgage. I tried writing them a GW letter to remove the CO but their response was "This unsatisfactory status will remain on your credit". After paying them I received a refund check for around $800 because I used the Servicemembers Civil Relief Act and they credited me some cash back I guess. Now let's fast forward to a couple weeks ago. I said its time for an app spree. I closed on a VA loan in June of 2012, been up-to-date with all payments, removed the least stubborn baddies I had on my reports, and my credit now sits at 701TU, 692EX, 682EQ all FICOs. I bit the bullet and applied for an AMEX Platinum (income being in the $130K range with low debts.). I was instantly approved and it shows my member since date of 2007 under my account manager. Now with that being said, I would like to remove the AMEX CO still on my CRs. I have been searching for a plan of attack either by using the online chat, calling, writing a letter, or straight up disputing. I never disputed through the CRAs. Any suggestions before I commit?

Thanks! I'm loving life right now!

You could also get your certificate of eligibility online with a few days by utilizing the VA's online application portal.

There is a place for it on the loan application but I don't think you have to apply jointly unless you want to count his income.

I just closed on a VA loan this past Friday. I had a CO that I paid in March for Cap1 and I had to write a LOE explaining what happened. As I was informed by my LO, the UW likes to see 1 year of good credit after any period of bad credit. I also had a repo that reported as a CO that I settled at closing. I had to contact the CA and get it in writing. All the OCs that I had COs with, which includes Cap1, First Premier, and Amex, I contacted earlier this year to pay off because I knew it would increase my score and the likelihood of me getting approved for a VA loan.

Almost $6000 a year. The mortgage itself is $1200 monthly.