exxo2

I applied just now and got this message. Does that usually mean "Go pound sand" ? I can tell you that I have a fraud alert on my file. Should I not even apply for the other 2 since I have that Fraud Alert ?

Okay,,,,,I tried Patelco and they indeed said "GO POUND SAND"! Reason....."You've had some late payments in the past". One thing I will note. They seemed extremely busy and like they were trying to rush off the phone. The rep even said "I apologize for the wait (was like a 2 minute wait) but we are extremely busy right now". They had me on and off the phone in 5 minutes tops. They also didn't pull a new credit report. They used the one from when I applied for the credit card. The rep didn't tell me that's what they were doing but she did say she already has most of my info. I verified that they didn't pull a new report by checking Privacygaurd afterwards. I don't know who to try now. Any ideas ? Also, who is GTE FCU ? Anyone have a link and info about them ? But, I wonder if they will say POUND SAND like Patelco did.

Anybody happen to know of any place that pulls Experian other than Patelco. As I said in another post, Experian is my best score but, Patelco denied me a couple of months ago for a credit card so I bet they'll tell me to GET BENT! Any ideas ? Thanks

I hope someone does give some advice on getting them removed from the file. I have them on mine too. It has a zero balance and DOLA is 8/2000. Still, it sticks like glue!!!!!!!!! And I need to trade my car in but even after 5 years, creditors still throw it up as a denial reason. It's the only bad thing on my report. Help please.

Just so you all know....I had a somewhat knowledgeable rep on the phone one day so I decided to ask why I have not received an increase even after requesting it. I was told by that rep that they are looking for at least "6 months of payment history"...not just 6 months of age. I have only used mine twice and paid in full both times, yet I have had the card for 8-9 months....hence, no increase. But....as I said....they claim they want 6 months of payment history.

Any suggestions on some credit unions ? I originally thought Patelco might be good but, I had applied for a credit card with them a little while back and they denied it so I just automatically figured they would deny the car loan too. Am I correct in thinking that way ? I need some suggestions as I don't want a ton of inquiries. Thanks

I would VERY much like to trade in my current vehicle. My credit situation is this: I have a PAID REPO on EQ and TU only. It lists as a ZERO balance and is from the year 2000. I also have recent lates (which are in dispute) on my current loan. The loan is Current now and says so on my reports. Other than that, everything on my report is PAYS AS AGREED. I even just bought a house and it is listed on EQ and EX only so far. You know how slow TU is with updating ANYTHING. My FAKO scores right now are EX 677, EQ 620 and TU 627. I assume Experian is higher because it doesn't have that repo on it and it never has been on Experian. But, who knows. Income wise, I make about 68K per year. My current car payment is $650. Anyways, it seems like those lates on the existing car loan is getting alot of doors slammed in my face. Can someone offer some advice of who (if anyone) would approve me ? I'd like to be approved when I go to the dealership as opposed to having them send my file out to a zillion banks and getting me like a zillion inquiries. Thanks.....quick response needed. By the way....my current loan will be 3 years old on May 1st and is a 6 year loan. I'd like to trade for something better immediately.

Interesting. So I take it that it is not a good idea to get a HELOC anyway ? If you haven't built up any equity yet ?

I am curious as to how soon a bank or institution will let you get a Home Equity Line Of Credit or Loan. I would assume they would make you wait a certain amount of time as to build up some actual equity but I am not sure how equity loans work when you have just bought a new home. Can someone please tell me about this ? I appreciate it.

Thanks MEL

Thanks again everyone.

Thanks everyone. I'm exhausted.

Congratulations Khris. I know how nervous you are/were. I know you always replied to my posts about that unsure feeling. Congrats.

Khris, that's exactly how I was about packing. I was almost certain something was gonna go wrong before closing. But, it didn't. mom2mandm......Huge Congratulations!!!!!!!!!!!! I know exactly how you feel.

Okay, I finally closed today! After all that stress, I am so glad it is over. Thank GOD. I'm still working right now but I promised I would update everyone and post a few pictures. I'll take more pictures later. It's a 4 bedroom, 2.5 baths, basement, 2 story foyer, living room, family room, dining room, breakfast bar etc. THANK YOU ALL! I will be back on as soon as I'm done with work today. But for now...... <Mod Note: Pictures removed per the request of poster>