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noleswin

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  1. I actually tried to use it and submit button doesn' t work
  2. My brother has not had credit in many years. He has been through some rough times. He had asked me a couple months back if I would help him get established and cleaned up. Well I had not gotten with him on it and he made a mistake last week. He had a letter from a collection company trying to collect on an old Sears account from 2001.... Thats right 2001. He paid them $500 on a $900 debt. So how bad was this? Is it going to report now??
  3. Thanks Marv. He just joined DCU and I had him take out a secured loan at his regular bank. So hopefully that will start reporting and he can give it a try in a couple of months.
  4. You can find some pretty decent used cars for $5k. And the major sites, cargurus, autotrader and cars have lots of search options to help narrow the field. He has a 5k to 6k Jeep that he is wanting to sell to put towards a nicer vehicle. This vehicle he bought with cash so he owns outright.
  5. My 21 year old wants to finance his first vehicle. Income $30,000.00 Time at employer 6 months Credit score Unkown as he has never established credit. Total amount of Vehicle from private owner $13000.00 Total amount of Down payment $5000.00 Should he be able to get a loan through his CU?
  6. Logix Dcu Discover it Trying to start a credit file for my 21 year old.
  7. Utilization is at 65% Here is a rough estimate of my CC with usage and loans 23000 on DCU Auto 4600 on a 5000 DCU 2100 on a 2500 Logix 1600 on a 1900 Discover 1400 on a 1750 Cap 1 1500 on a 1750 Cap 1 850 on a 2000 Sears 550 on a 1000 Best Buy 650 on a 1200 Firestone 0 balance Kay Jewelers Lowes Helzburg Diamonds Walmart HSN
  8. Looking to increase scores before I apply for mortgage FHA. I currently have high usage on several cards. Scores on MyFIco are 638-643-657. I have about 5k to put towards raising scores this month as I was going to apply in April. Would I be better under the new model to spread it over several cards or pay of several cards completely leaving high utilization on a couple?
  9. Looking to increase scores before I apply for mortgage FHA. I currently have high usage on several cards. Scores on MyFIco are 638-643-657. I have about 5k to put towards raising scores this month as I was going to apply in April. Would I be better under the new model to spread it over several cards or pay of several cards completely leaving high utilization on a couple?
  10. My wife is now 2 months into a rehab program on 2 student loans. Will our refund get taken this year?
  11. I am looking to see if it is possible for me to purchase a modest home. In doing so I contacted Quicken. Was speaking with a lady who pulled my report and score was 662. I have a bankruptcy that was discharged on 2/11. I knew that this would put me in the FHA catagory and I am fine with that. However I had 1 30 day late payment on 4/12 that was listed on my report.(It is incorrect and I am disputing). But my question is when I have read about FHA qualifications it said no more than 2 30 day lates over the last 3 years. She however said that the 1 30 day late disqualified me. What is the truth here?
  12. I can't seem to find where to check the application status so I guess I wil try and call. Thanks
  13. I applied for DCU Visa on Friday 8/17 and received the message that they have received the application and someone would contact me? I have no new mail from them and have not received any calls. Is this a denial?
  14. Well a trip to the Tax office and 85.25 later I have the title to the jeep in hand. No lean holder just me as the sole owner.
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