willubmyknight

I have noticed that I have a couple of card accounts that are not reporting to any of the bureaus and they should be at this point. Bryant State Bank (Show CC), Reflex Card (Celtic Bank), and my Fingerhut account are some. How do I get them to report?

It is definitely higher than I would have liked...but considering the only auto loan on my history was from less than a year ago with a current balance of $15K, and then another auto loan/personal loan that was just opened in March for $13K, and considering I have 1 baddie, 30% utilization, etc...I was happy to just get in the truck with nothing down - felt like a champ I set up weekly payments through SmartPaymentPlan to payoff more principal (even though it's a relatively small difference) and then I plan on refinancing in Oct/Nov when my final baddie falls off...my goal is 60 months at 1.99% versus 72 months @ 6.99%. I also may have some cash to pay off a portion of the balance by that time, so it SHOULD all work out

Thank you!!!

Hey Marv - sorry for the late response. I really wanted THAT particular truck...American Eagle FCU finally gave me a loan and I've been sorry ever since - the truck's a lemon. I've since buckled and bought a 2013 Xterra (brand new) for $30k. I had the original Chase loan ($15k) on my report AND the NEW American Eagle FCU loan on my report ($13k) and was still approved through Nissan Motor Credit Corp for the truck with $0 down. The APR is sky high at 6.99% but I'll see if I can get it refinanced when the Chase & AEFCU loans show as paid off. Thank you, from the bottom of my heart, for everything you do for us on CB...it's BECAUSE of CB and posters like you that I've been able to come as far as I have.

Credit Application: Your Age? 34 Your Equifax Credit Score? 712 (USAA) Your Experian Credit Score? 687 (USAA) Your TransUnion Credit Score? 674 (USAA) How many years have you been on file with Equifax? 5 How many years have you been on file with Experian? 5 How many years have you been on file with TransUnion? 5 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? yes Will this open auto loan be a trade-in? No...totalled...will be completely paid off 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? Chase Auto Finance Your current open auto loan payment is? 356 Estimated amount you may be upside down in this vehicle? 0 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? 9 Total percentage utilized overall? 36% 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) 2 (Cap 1 & Barclays) 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? 10+ years Do you Rent or have a Mortgage, or Live w/Relative or Other? Other - Property Manager (Free Rent) Your Monthly Rent or Mortgage payment? $0 How long have you held your current job? 3 Yrs 6 Months Your total provable monthly gross income is? $4,300 gross Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Computerized Pay Stub Is there additional monthly income? What amount monthly? No Describe the source. N/A Is the additional monthly income provable? N/A Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? $0 (Have $1K but ONLY if needed) Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? If yes, please very briefly describe. 1) LVNV showing as a "new account" w/ balance of $874 (actually from 2007 ~ due to fall off in Sept 14') 2) University of Phoenix $0 Balance Paid-Off Collection (currently under dispute ~ not sure if it's going to fall off or not) 3) LOTS of inquiries Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 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) 9 New or Used vehicle you are considering: Please very briefly describe. 2005 Nissan Xterra w/ 96K miles @ $10,732 I bought my 07' in May 2013 and it was totalled last month. I've been adding a credit card (or 2) every month since trying to build...and now trying to get a loan for this truck, I've maxed out inquiries. I've tried EVERYWHERE and can't seem to catch a break. It's an 05' so no one will touch it with conventional financing...I would REALLY like $11,000 @ 36 months ~ I pay Tax, Title, Reg, etc cash. I got approved w/ DCU but can't become a member due to a ChexSystem item. I've tried personal loans with TD Bank but they won't touch me below 700. Pentago FCU said that they won't touch me until I hit 700 and/or get the University of Phoenix OFF my report. Help!! Can I go buy something new and then refinance in 6 months to a year? I can't really afford more than $450 and anything new that I'm looking at is $30K. Can't lease cause I do about 2-3K miles a month. I sincerely appreciate ANY advice you can offer.

I think this may be for Staples (Personal Account). Out of the inquiries that have popped up and the places I've applied, I did not see a specific Staples inquiry, and "MWF Workplace" was the only unidentifiable pull...

I will Thank you for your help!!!

You rock!! Here's a cute "Doh!" moment... The letter they sent was definitely a settlement letter, but nonetheless, it got me a little nervous that this might "creep" back up - thus the long questions. After reading your response, I felt a little better and started researching CT case law re SOL, etc. Anywho...I let the letter lay on my desk for a couple weeks Until I received a phone call from them yesterday... I asked the operator whether or not Portfolio Recovery Associates, LLC were licensed to collect debt in CT (which they are not) - mainly because I wanted, for ONCE in my life, to have a "1 up" on them...he was dumbfounded and put me on hold...the manager came back on and said that "they are licensed in 50 states, and all of that information should be on the back of the letter we mailed you." I then thanked her for her time and told her I would gladly call back once I was able to verify that information pfft! (She was NOT nice, very demanding, etc...for once I was calm, cool, and collected). Got home, turned the notice over (it was one of those that looks like a check, so you're 99% more likely to open it)...pulled off the top sheet from the back, and there I see... "Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency." LMAO!!! I would have never saw that (as I'm sure 99% of the population doesn't)...