clutchmastercory

ok making more sense now

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well guys sent in a goodwill and recieved an apologetic phone call that they would not in fact alter the reporting. Anyone have any other tricks. I haven't disputed or taken an further action yet

Just be honest and say it was a mistake or go with a more sob story? try a goodwill letter

So I'm back again after 3 years. Since I left my credit has stayed perfect. Have 10 accounts will minimal usage and perfect payment records. Got a new card about 6 months ago and it just slipped my mind 1 month. By the time I got to it I caught a 30 day late. Anybody have a suggestion on possibly getting this removed. Trying to trade in my boat this summer and I'm sure this will doom me. Sorry for the noobie question btw Thanks guys

So after getting preapproved by my bank they bust out the no older than 2001 boat part of it so can't use them. I'm looking at buying a 97 ski nautique for about 14k. Any help would be appreciated. Thanks guys PS: the auto section seemed to lead me to believe this was the place to post so if I'm wrong..sorry

Not sure if this is the right place but looking at buying an older supra wake boat and trying to see what kind of chance I have Credit Application: Your Age? Your Equifax Credit Score? 700+ Was 700 6mo ago Your Experian Credit Score? 700+ Was 690 6mo ago Your TransUnion Credit Score? 700+ Was 708 6mo ago How many years have you been on file with Equifax? 5 How many years have you been on file with Experian? 5 How many years have you been on file with TransUnion? 5 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes, car loan Will this open auto loan be a trade-in? no 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? Wells fargo Your current open auto loan payment is? 276 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) 10. Had 1 auto loan since May YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 6 Total percentage utilized overall? 10% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? 6(i.e. Amex, MC, Visa) How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier)0 YOUR PERSONAL INFORMATION How long at your current residence? 1 year Do you Rent or have a Mortgage, or Live w/Relative or Other? mortgage Your Monthly Rent or Mortgage payment? 1392 How long have you held your current job? 2.5 years Your total provable monthly gross income is? 3600 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Is there additional monthly income? What amount monthly? 500 from renter Describe the source. Is the additional monthly income provable? yes Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? 2500(rebates and trade equity are not considered, please input a dollar value only.) Does any credit repository contain any Public Record? If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? If yes, please very briefly describe. Yes. $400 unpaid medical on eq only from 4 years ago 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. 1991 Supra sunsport for $7500. 392 hours

HAHA sorry guys its been an absolutely brutal 2 weeks at work and haven't ventured outside of the office. I'm honestly not sure about my scores. To give some background In march 10' my high scores were mid 660's-689. I have one med collection on eq (4 years old). I bought my house in march, purchased a new car (12k loan) in may, opened 2 new cards in march, a lowes card in august, and this is my most recent card. I would guess my scores are 710 or 720+ To summarize home loan (210k) (9mo) First car loan (12k) (7mo) Lowes (4mo) $3800 cl/2200 used Hsbc (2yrs) $500/0 used Hsbc best buy (500/0) (9mo) discover (9mo) (750/0 used) citi visa (4+) years (1000cl/0 used) fp (375cl closed after 18mo) American Express (2500cl/0 used) Experian-10 pulls in last year EQ-15 pulls in last year TU-3 pulls in last year haha Sorry I know you guys want specifics but since I use little to no utilization I am just pulling my free reports.

Blue Cash

Congratulations ***************, your application is approved! We are excited to welcome you to Card membership and all the benefits and services that come with your Card. You should receive your Card in the mail in the next 7 to 10 days. Your Card will be mailed in a white envelope displaying the American Express® Blue Box logo with a return address of Omaha, NE. Has anyone had luck with CLI's upon activation with Amex? I don't know my cl but just planning ahead

So somehow my girlfriend is receiving calls from Allied interstate for an "AOL" account collection. She has never had AOL, etc. Shes in the middle of a divorce and they are calling her ex too. Not helping the fact shes about to go back to court with the ex over bills/the house. They say they have sent a letter but won't send another. Should we send a dv just stating per phone calls? c&d? Thanks guys. Also anyone have a valid address for these A********s? I found like 50

So I went to Lowes tonight and took advantage of the 20% appliances. Picked up a new dishwasher, stove, microwave, ceiling fan, and fridge. Needless to say I was not looking forward to putting all this on a debit card since my highest limit is 1000 right now. Have applied for lowes not once but twice in the last year. Girl at the register told me I was preapproved for a card. Had them give it a whirl and got a 4k limit ! Very very happy and now have a new highest limit. Maybe this will help me up my 3 $500 limit and 1000 limit cards. Just so happy to remember last time at this year I was sporting a under 600 score and now I have a mortgage, new car, and 6000 more in credit cards. And holy crap. Just went to pay my citi card and it went from 29.9% to 13.24% BOOOYAH

had the card since 3/26 of this year. They gave me a $500 limit. I love the card/rewards/website ease. I use the card for everything but I end up having to make payments every 5-10 days (remodeling right now). Right now I have citi-1000 (4 years old) hsbc- 500 (1 year old) fp-375 (closed it at one year of age a few mo ago) hsbc bb rewardszone- 4 mo old Auto loan (13k)- 2 mo old my mortgage from 3/26 but its still not reporting Inquiries are a prob with 10ex, 10eq, 13 tu (3 each are from mortgage and 5 from eq are for auto loan) zero balance on all cards No late payments but 1 4 yr old med unpaid. Also anyone know if they are a hard?

Just sent mine off today. Will update when I receive. God bless finding 9k+ interest in july