adotta

Ok that should be doable. I want to avoid those tradelines saying anything bankruptcy if I can.

Hi All, Back in college my parents cosigned for one student loan and on my first car. However, I was talking with them last week and it looks like they are intending to file bankruptcy within the next year or so. Both loans are current and I'm paying them 100% since inception. So I have a couple questions: 1) What effect will them declaring bankruptcy have on those two notes? 2) Will my credit be impacted in any way? I have a couple cards that are known to be finnicky bitches to start with (AMEX, Barclays, etc) 3) Will it show up on my credit report? 4) Is there anything I can do to mitigate that impact? Unfortunately I can't come up with the money to pay both off. I'm getting married next year and paying that out of pocket. Any other tips? Thanks

Hi All, Long time lurker. A while back I missed paying Verizon my ETF and it escalated and was sent to collections. I keep DVing companies just to have it passed onto another agency. I received this offer in the mail today. If I pay this in full does it satisfy the debt? Will another company end up coming after me? Also, out of the options listed what is the safest choice for me to pay them back by? Thanks,

Thanks Marv Does anyone have answers to my other questions? 1) My current car was cosigned by my dad back in college. How do I go about dealing with the trade-in? The registration lists my name first and his name second. However, it makes no mention of "AND" or "OR". I've heard that if it's not specified, it's OR. 2) How would I deal with the trade-in using a credit union? I'm sure the current car loan would cause problems for them approving a new loan whereas the dealership could work it into the sale. 3) I know you can't predict rates, but do I have a substantial chance of getting a better rate than 5.75% that I got on my car in college?

Credit Application: Your Age? 25 Your Equifax Credit Score? 742 CreditSecure Your Experian Credit Score? 741 CreditSecure / 779 CreditSesame Your TransUnion Credit Score? 737 CreditSecure / 781 CreditKarma How many years have you been on file with Equifax? 7 years How many years have you been on file with Experian? 7 years How many years have you been on file with TransUnion? 7 years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? Yes 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? Fifth Third Bank Your current open auto loan payment is? 553 Estimated amount you may be upside down in this vehicle? 1-2k? 2009 Mustang GT and I have 17k left on the note. 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? 7 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) 7 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? 8 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 955 How long have you held your current job? 3 years, 1 month Your total provable monthly gross income is? $4686 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Computerized Paystub Is there additional monthly income? What amount monthly? None 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.) $2000-$4000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. N/A Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. N/A Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 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) 10 New or Used vehicle you are considering: Please very briefly describe. New 2012 Jeep Wrangler Unlimited. Should be somewhere between 35-40k Other questions: 1) My current car was cosigned by my dad back in college. How do I go about dealing with the trade-in? The registration lists my name first and his name second. However, it makes no mention of "AND" or "OR". I've heard that if it's not specified, it's OR. 2) How would I deal with the trade-in using a credit union? I'm sure the current car loan would cause problems for them approving a new loan whereas the dealership could work it into the sale. 3) I know you can't predict rates, but do I have a substantial chance of getting a better rate than 5.75% that I got on my car in college?