tawny

Today is my first day back at CB. This forum changed my life just a couple of years ago. I raised my scores, cleaned up my credit....got new credit and life was great. Then a series of unfortunate events occured, illness/hospitalization, close family deaths (I incurred large burial expenses), and then the final blow....I was laid off 8/09. I feel as though all that work has now gone down the drain. My newly acquired credit cards are with collections, my car died, I've had to move in with my ex (living in hell now) because I couldn't afford my rental any longer and job prospects are just not happening. PLEASE someone tell me there is a way to come back a SECOND time!!! Has anyone here fallen down after acheiving credit success and gotten back up AGAIN???? signed, Really needing to hear some positive responses

Thanks Everyone! Well....that's the information he needed. He is going to speak with BOA again.....but I guess it looks like they are within their rights to do it. Stinks.

A co-worker told me that his Mortgage Co (Countrywide Mortgage) dipped into his bank account and made an unauthorized deduction for an overdue mortgage payment. BOA allowed the withdrawl. While this was not an authorized transaction, he had made payments in the past through this account which is why they had the banking information at hand. Is this legal? Does he have any recourse against BOA? Against Countrywide?

*Whew* Congratulations!!! I was following this thread almost holding my breath! I plan to go car shopping this weekend and I am scared to death. Like you were....I will be so super paranoid something will fall through at the last minute. Enjoy that new ride!! (very nice donating the old car, I wish you only the best!)

Thanks guys!!!

A coworker just asked me this question and I wasn't sure. Of course my first response was to tell her to join CB and fast!!! But I'm actually curious now. If location matters, we are in GA.

Excellent!!! Hopefully I can finally get in a decent car!

I received a Pre-approval from Cap One Auto in the mail. It says I’ve been approved for up to $30,000. It says I have until 7/28 to use it so I must act soon. There are instructions to confirm and an approval code. It then give the address of a local Nissan dealership. I really hope it is legit as I am DEFINITELY in need of a new or used car. I just don’t want to go in and get my feelings hurt with a denial. Any thoughts? Let me say again.....I really need a new car.

I applied tonight, got the old 7-10 message. I tried to call and get a status a few hours later by calling VS credit number as listed on the website. A very nice CSR transferred me to a WNNFB (I think that's the name) number where I sat on hold for 10 minutes. I gave up and hung up. I may call and check tomorrow. I hope it's not a denial.....I've been on a pretty good roll lately.

I can't believe it. I got my card in the mail today. I'm shocked! I had received the 7-10 message and thought that's a wrap...it's a denial. Well lo and behold...I was approved. Granted the amount is rock bottom, $500 but it's Chase and they HATE me! I'm so happy I could dance!!! That's it for me....I will now sit back and let these new cards age.

: ( Thanks. I'll keep working to raise my scores. From what I've read they pull EX, I definitely wish it were TU but I still have work to do brining them up to 700. Thanks again.

They just gave me the thumbs down for a cc.....I'm wonderinf if anyone has a recon number for them or a csr with a sympathetic ear. Thanks!!

Thanks to you both for the info. I currently use TC and CK (my finger stays on the search feature!). I just wondered if this might help with *b, after checking a few times and not getting my specific question answered I decided to post. Again....thanks for the info you both answered my question!

I signed up for this when I opened my BOA checking account a few weeks ago. I get updates via email letting me know when there has been an inquiry or change in my credit report. I am also able to pull a "credit score". My question is......is this a fico or fako? There is also an analysis tool at says it is based on my Equifax report. I'm also wondering if these could be considered daily pulls, possibly helping with *b. Anyone family with this?

LOL......I see that green arrow means approved! LOL, thanks Marv. I'm nervous about going into the dealership but I think I have a bit more confidence now. Thanks again!