creditpump

Of course the Honda pulled my worse report EX., but it didn't matter, was instantly approved. What a difference a year makes. Last time I tried to get a car I couldn't even get financed. Picking my brand new pilot on Tuesday 😄😄

Got approved through Honda Financial for our lease. They pulled EX which is my lowest score 691 but was instantly approved, no questions asked!! Papers are signed & pick up car on Tuesday. Thanks for your help Marv!!

Thanks everyone, couldn't have done it without all of you.

Last May I started my credit repair journey. My EQ from MyFico was 645. I just bought my EQ score from MyFico today in preparation for going for a car lease thinking it would be around 700... It was 792!!!!!! I hope Honda pulls EQ today. Thank you credit boards 😄

Thanks! Going to dealer Saturday - wish us luck

Would it help to do a joint app with my wife? She has auto loan open that will be paid off next month with perfect history. She hasnt worked since son was born in 2010 so I have been the one paying on it

Past auto loan has aged off credit report..

Your Age? 35 Your Equifax Credit Score? 700 - myfico Your Experian Credit Score? 776 FAKO - credit sesame Your TransUnion Credit Score? 677 - FAKO Credit Karma How many years have you been on file with Equifax? 16 How many years have you been on file with Experian? 16 How many years have you been on file with TransUnion? 16 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? n/a How many late pays within the last 13-24 months on the currently open loan? n/a Your current open auto loan is financed with? n/a Your current open auto loan payment is? n/a Estimated amount you may be upside down in this vehicle? n/a Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) n/a YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 3 active Total percentage utilized overall? 11 % 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 YOUR PERSONAL INFORMATION How long at your current residence? 7yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $1150 How long have you held your current job? 10 years - self employed Your total provable monthly gross income is? $4400 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Tax Return Is there additional monthly income? What amount monthly? n/a 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? (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. Satisfied judgement from 2006 due to fall off in september Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. 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) 10 New or Used vehicle you are considering: Please very briefly describe New 2013 Honda Pilot EXL - 36 month Lease - got quote from dealer of $389 month with 0 down but they haven't run my credit yet

How does everyone feel about Penfed? How are there credit limits, etc. Thinking about joining but not sure. Our local credit union is horrible!

Wow, I wish I knew about this sooner! Thanks

Yes

Hope this isn't a really stupid question... Can I join NFCU if my grandfather was in the navy even if he is not a NFCU member himself?

OK - so I am feeling like I could throw up right now. I know that creditkarma is complete BS but I have been using it. Well today I check and 1 old sallie mae account seems to have finally fallen off and now my score dropped 20 points!!! WTF. There are 4 more that will fall off next month so I am freaking out what my score will look like then. I have 2 open active credit cards - never been late and an AU on another card - never been late but the AU and 1 of my credit cards were just opened this year. Is that the issue because of AAOA? Sorry needed to vent - been working so hard to get back on track and just when you think things are looking up - BAM… I am not sure buying a home is in our near future after all

Hi all - Does being an AU on a CC count towards having 3 open and active tradelines when trying for FHA? Thanks!

Hi All - New at this and this is probably a long shot but does anyone know who I would send a GW letter for a couple lates on a car loan I had with First Citizens Credit Union in MA? I sent a letter to the main headquarters address and 1 to the CEO with no luck. Who should I be sending it to in general? Thanks!