909sparky

just got a letter in the mail from santander on why i was deined. score was a 560 on eq and listed some of the previous credit issues ive had. what i was surprised to find out is that im a 1st time auto buyer. i was under the impression that my motorcycle loan was considered to be an auto loan. so i guess its really time for me to regroup. i have to idea where to look for an auto loan as a 1st time buyer and having a low score

i recently had a similar situation with midland. disputed online with experian and just like that they were gone. still waiting to see if eq and tu will delete them as well

would you predict that year and mileage would also be a factor?

about 2.5 yrs old

pervious installment loan was a motorcycle loan for $7100 was paid on time every month but the first time i was late it was repoed on the 31st day. original loan amount doesnt show on credit report. it only shows "RF" and the current balance of $1495

Your Age? 23 Your Equifax Credit Score? 581 Your Experian Credit Score? 551 Your TransUnion Credit Score? 543 How many years have you been on file with Equifax? 4 How many years have you been on file with Experian?4 How many years have you been on file with TransUnion?4 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? 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? 2 Total percentage utilized overall? 0% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1 IS A SECURED CARD YOUR PERSONAL INFORMATION How long at your current residence? 11 Do you Rent or have a Mortgage, or Live w/Relative or Other? LIVE WITH PARENTS Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 4 MONTHS (4 YEARS IN THE SAME FIELD) Your total provable monthly gross income is? 4160 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) COMPUTERIZER PAY STUB Is there additional monthly income? What amount monthly? 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? 1000-2500 (rebates and trade equity are not considered, please input a dollar value only.) Does any credit repository contain any Public Record? YES If yes, please very briefly describe. JUDGEMENT FROM 6/2010 FOR $2500 REMAINING BALANCE AFTER A MOTORCYCLE REPO Does any credit repository contain any Collection Account(s)? If yes, please very briefly describe. YES DEBT PURCHASED BY A COLLECTOR $1700 CURRENTLY DISPUTING. I GOT IT REMOVED FROM EX STILL WORKING ON EQ AND TU 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) 5 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Please very briefly describe. LOOKING FOR A CREW CAB V8 TRUCK YR 2005 OR NEWER IN THE $15000- $20000 RANGE

Well, you might want to contact the county again and ask for " proof of service ", as it is usually provided with the judgment, whether service in person or service by publication. Based on what qualifies as service in California, you may be able to put up a fight on lack of legal service, then go back to square one, forcing them to validate. ill give that a try tomorrow and see where it gets me

yes i contacted the county to check and it is reporting to all three

i live in california. i havent heard of service by publication but ill look that up

i have a judgement from 6/2010 from a motorcycles repo. currently i owe $1500 on the debt and pay monthly although often late (its not a top priority because report as RF). i admit to oweing the debt and dont mind paying it off however i would love to find a way to get this off my report. before i was sued i wasnt properly served. i was sent a letter from the lein holder via regular mail that stated i was going to be sued it had a date and time to appear. my question is can/should i dispute the judgement because i wasnt properly served or should i wait until its paid in full so they dont attempt to garnish my wages?

yes he is still in school. freshman in college

my little brother turned 18 a couple months ago and is looking to establish credit. i dont want him to start racking up inquirys while looking for a credit card so i figured i'd ask here 1st. does anyone know he should apply? is there anywhere that would give him a unsecured card and if he has to go with a secured card who is best? trying to lead him in the right direction so he doesnt make the same mistakes that i did.

long story short i have some pretty bad credit (556) a motorcycle repo which lead to a judgement and 2 credit card charge offs all about two and a half years old. my question is are there any lenders that will fianace with a judgement on file?

hopefully i can get rid of them and soon.

bump