Lindsay

We after waiting 2 weeks got my decline notice. I found a backdoor business phone number to get a reconsideration. The reason they could not approve me and I fought pretty hard! was that I only have had Credit Cards since 2006. ONLY 5 years of never lates......... Come on lame!

I think the mortgage companies just want to see if you can actually hold off for so long. We are itching to go buy stuff, but we have another 2 months before our house is built and we can close. Havent charged anything in 3-4 months and I am ITCHING!!!

UPDATE! REMOVED FROM ALL 3! Still on My Spouses though, but I am sure they will be removed if Deleted from mine.

Im trying to figure out what my max Amount I can borrow is. The online calculators all say different things. I make 80k a year after business expenses $1000 in car payments ($650) is a business car, but not sure if you can take that out $200 in minimum payments for credit cards. So total outgoing is $1200-1300 a month on credit. What price home could I max out at? Thanks!!

Thanks for the intense discussion. Please keep in mine I got this removed the same day on TU but when i attempted to do it for my spouse with TU the lady refused saying it was a courtesy they even look at documents provided by consumers. Could have simply been a bad day for her. This is Verbatim what the letter says. It has the OC name/file number/ balance. It has the CA name/ address/ date/ original balance Dear: ME Please be advised we have received your payment in regards to the above mentioned balance. we have notified our client of receipt and the account is considered paid in full. Please be advised that if your payment is nullified for any reason, this account will be reactivated. As a result of your individual circumstances, CA has agreed to order this item deleted from all national credit reporting agencies to witch it reports. Signed. Im no legal person, but it seems to me it is straight forward. I have fought this since it was with the OC, so It being placed on my Credit and Reported is Inaccurate. Oh and Yes it is now marked as paid.

So I have a letter from a CA that I had to get my Attorney involved in. It was an apartment complex that sent us to a CA. They would not work with me even though the debit was incorrect, I even offered a PFD! So I got my attorney involved and he was able to get a letter from them. Well My Spouse was able to get the account Deleted from TU just by calling and faxing the letter. TU called the CA and validated the letter. This is the Crazy Part. When I called them to get it removed since the letter was addressed in both names and they said the Letter didnt meet their standards. So I asked what is wrong with it and she said cant tell you! What the heck! The letter has everything on it, account number, names, address, amount etc.. TU said it would just have to go through the dispute process. I also called EX and EQ, but they wont help over the phone.\ any advice??

I was chopped as well. I had 65 or so and was B* daily. now down to 23 or so.

It was about $400 difference from what I owed to what they claim.

Ok so I moved out of my townhouse and moved to another State for work. I get my final Bill and it is $400 more than I originally thought it would be. I called the apartment manager and told her that I didnt understand why it was the case. She said her boss handles it. I left messages for the Boss on multiple occasions to get a clear answer on the discrepancy. After a couple of weeks leaving messages I gave up. Then in October I get a message from Rent recovery in regards to the owed amount. I tell them I do not believe it is correct and they need to send me proof. Well they sent me a FAX. While I am getting my attorney friend to review the contract I pull my daily credit and BAM it is listed as a collection!! I dont understand. I am making attempts for clarification and the Collection people cant decipher or even explain to me the contract. What to do!! Im soooooooo Pissed they put this on my credit. I dont deny I owe some money, but not what they claim. Thanks and Sorry for the long post.

Credit Application: Your Age? 27 Your Equifax Credit Score? 600 Your Experian Credit Score? 600 Your TransUnion Credit Score? 600 How many years have you been on file with Equifax? 9.9 years How many years have you been on file with Experian? 9.9 years How many years have you been on file with TransUnion? 9.9 year YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? yes (3) Will this open auto loan be a trade-in? yes 2 trades for one 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? 2 Your current open auto loan is financed with? GMAC & Chrysler Your current open auto loan payment is? 500 & 500 Estimated amount you may be upside down in this vehicle? 0 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) late two times on over 6 financed autos YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 6 Total percentage utilized overall? 25% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 5 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? 2 year Do you Rent or have a Mortgage, or Live w/Relative or Other? other Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 5 years Your total provable monthly gross income is? 100k 1099's 32k of claimed income due to write offs for biz. Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) all of above 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 Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? 3 medical 1 CO from 6 years ago If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 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 2011 Acadia 41k msrp Having a tough time. Seems some lenders really dont care that I make over 100k a year. I am trading 2 cars in for 1k a month in notes for 1 car that the note should be about $700

Thats Great! I just called and they are still upholding the not increasing CLI at this time crap.

Ok are you saying by touching it or paying the collection it doesnt start the time period over again?? I thought it did. and if it does what type of documentation can I find that says that...

Is there somewhere that a written document that an account can be re-aged once it is touched? I am in a battle with my neighbor who believes that is she pays a 4 year old debit it will magicly be deleted or only last for 2 more years. I searched and cannot find a written explation just everyone saying it debts can re-age. THANKS! i want to win this debate