615lol

Your Age? 35 Your Equifax Credit Score? 720 (myfico.com score from 9.16.12) Your Experian Credit Score? 736 (plus score from 9.17.12 purchased on their site) Your TransUnion Credit Score? 719 (myfico.com score from 9.16.12) How many years have you been on file with Equifax? 9 yrs 8 mos How many years have you been on file with Experian? 9 yrs 8 mos How many years have you been on file with TransUnion? 9 yrs 8 mos YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? n/a How many late pays within the last 13-24 months on the currently open loan? n/a Your current open auto loan is financed with? n/a Your current open auto loan payment is? n/a Estimated amount you may be upside down in this vehicle? n/a Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) n/a YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 9% How many of your revolving accounts are store cards? none How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) five How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 2, other 3 are amex YOUR PERSONAL INFORMATION How long at your current residence? 6 months Do you Rent or have a Mortgage, or Live w/Relative or Other? mortgage Your Monthly Rent or Mortgage payment? $923 How long have you held your current job? 6 years Your total provable monthly gross income is? 10,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized check stub Is there additional monthly income? What amount monthly? n/a Describe the source. n/a Is the additional monthly income provable? n/a 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.) at least $10,000 Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? no If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 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. either a 2004 bmw m3 convertible with 44.6k miles ($28,990) or a 2004 bmw m3 convertible with 68k miles ($25,990), paid off a $20k loan with toyota financing in 24 months in july 2010. thanks!

amex platinum amex delta gold bofa check card i've come a long way, thanks so much creditboards

1. if his 9th payment is 10.20.2011, his loan will be sold to his new lender in november, first payment likely due in december. 2. the reporting from lsfa will be deleted, when he starts payment with his new lender, they'll report paid as agreed.

i was just approved for a gold amex(!) yesterday, and have a couple other cards. a capital one w/$500 limit (was 300 when i opened it in july of 2010) and orchard bank w/$300 limit that hasn't budged. i'm reeeeally wanting to kill at least the orchard bank card and apply for something with a higher limit. todays ficos are 674 for eq and 646 for tu. any suggestions on what to shoot for and if it would be a good idea to kill one or both of the toy cards? thanks!

equifax and experian both reflect a payment on an account that was made june 18th but transunion doesn't. they also show my new student loan tradelines (finished rehab program), but transunion doens't either. is this common for them to be THIS slow in reporting? i did a pfd on a collection agency earlier this month that was ONLY on transunion and that seems to be gone. i'm really confused and upset, because the apt complex i'm applying for pulls ONLY transunion (grrr...). thanks, everyone.

bump.

for what it's worth, today's eq fico is 653 and tu is 630, but that one will be going up when an installment accoutn is updated (eq update took this morning). real scores, not fako.

does that mean i'm preapproved?? **edit: via email, that is...

thank you, sir

but won't those two 300 limits limit my chances of getting better cards?

i should wait to close it until i have replacements, then? also, do either of them do credit limit increases after 3-6 months or whatever?

all right... i got approved for $300 cards with each of these banks this month. should i have not even tried these and gotten a couple of 1000 dollar or so secured cards? it wouldn't hurt much at all to pay the fees for these two and go the secured cards, but i think i may have pulled the trigger a bit too soon. today's ficos are 653 for equifax and 630 for transunion, but the tu will be jumping up soon. hopefully to where the equifax is today. thanks.

fico25 did NOT work for me this morning.

my score went from 626 with my loans in default to 630 with the guarantor's reporting erased and the new tradelines from nelnet reporting. they also say the accounts were opened with the original disbursements dates.