jessemanzo

I just got a checking account at a US Bank location inside of Vons in Mira Loma, CA. 50.00 minimum to start & Chexsystems must not show "account abuse" or "Fraud". It was quick and painless-thanks to everyone!

I need to be Member-ized. Thanks

ttt...anyone?

so if it should have charged off in mar of 04 what recourse do I have now? Is this legal?

This was charged off on my CR back in Sep. of 2005. I have had credit monitoring since then and every month, it comes up repeatedly as "new negative" through the service. It always gets refreshed. Is this legal? if its not, what would be my best plan of action? Thanks everyone!

I bought a vehicle back in Jan 2003 (financed through fireside bank) and made the first few payments, then my ex left me and I was fired-in the same week. As a result of my tough times and lack of credit knowledge, I ended up getting my vehicle repo'd in September/October of 2003. Since then, it seems like it is reported monthly on my report as a "Charge-off" and as a "180 day late". My question is, is this legal? I thought it could only be charged off once. And can they keep reporting it as 180 days late every month. Please help- I am a single dad who is trying to make it with a 5 year old girl and I am truly at my wits end. ***** I took ths chart from my Experian credit report **** 81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2007 180 180 180 180 180 180 180 180 180 180 CO 2006 180 180 180 180 180 180 180 180 180 180 180 180 2005 120 120 120 120 120 120 120 180 180 180 180 180 2004 120 120 120 120 120 120 120 120 120 120 120 120 2003 * * * * * 30 30 30 60 90 * Thank you- me and my 491 credit score look forward to being the greatest success story CB has ever produced!

I have a question which im hoping someone here can maybe help with. about 4 years ago, I was going through a bad time (break up, daughter went with ex, blah, blah) to pay for court fees, I had to forego everything, and my car was repo'd. Then in 2005, it was finally charged off. It is now 2007 and Ive just noticed that it comes up as being charged off as of May of 07. Can charge off info be re-newed? If not, what can I do?

believe it or not, that is the best news Ive had all day...

I dont think I have a choice-Im a single dad! is there anybody who could give me a shot? I dont have anyone who would co sign, and all I want is a second chance You didn't answer the question I asked. You do realize if approved what a horrid predicament you will have placed yourself. If by doing so, would that predicament be better than the one you are currently in? Don't go buying a car just because you think it's gonna improve your credit file. There are easier/better ways to accomplish that, than an automotive installment loan. the only reason I'm trying is because my current car is having transmission problems. Otherwise, I loved my little car. ** also, I think I made a mistake earlier- the blue book value for my car now is 2500, and my loan still has 5k remaining. so I believe I am upside down about 2500 dollars, correct?

I dont think I have a choice-Im a single dad! is there anybody who could give me a shot? I dont have anyone who would co sign, and all I want is a second chance

That loan reports to file? How do you intend to handle the negative equity? yes, quality financial does report to all 3 bureaus. If possible, I would like to add the 5k that is on my current loan to whatever my next loan happens to be (if possible) if not possible, I honestly dont know what I would do. also, I forgot to mention a charge off that was just added last week on the repo.

Credit Application: Your Age? 28 Your Equifax Credit Score? 520 Your Experian Credit Score? 547 Your TransUnion Credit Score? How many years have you been on file with Equifax? 7 yrs How many years have you been on file with Experian? 7 yrs How many years have you been on file with TransUnion? 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? Quality Financial Your current open auto loan payment is? 248.00 Estimated amount you may be upside down in this vehicle? 5k 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? 2 Total percentage utilized overall? 90 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) How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 2 YOUR PERSONAL INFORMATION How long at your current residence? 20 yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? live with relative Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 6 mos. Your total provable monthly gross income is? 2480.00 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) pay stubs 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? (rebates and trade equity are not considered, please input a dollar value only.) 0 - 500.00 Does any credit repository contain any Public Record? If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? yes, 3 collections (phone co., sprint, direct tv) If yes, please very briefly describe. 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) 9 New or Used vehicle you are considering: Please very briefly describe anything that is reliable, and somewhat cheap, i would like a credit builder.