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msdebi

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  1. I got the popup too. I have had the Walmart card for a little over a year and still owe around $800. The credit line was raised to $2500 which was a $1000 CLI. Yeah!
  2. I told them Credit Bureau kept verifying the info and it was wrong. I couldn't get anything out of Cap One. The amount was wrong. Dates were wrong and they had reaged the account. She told me to send any old CR's to her with any information on the account. I couldn't dispute online because it said it had been previously investigated. Today, for some odd reason, it was gone off all my reports. I still can't believe it! It should have fell off later this year. I also told her the original amount was $500.00 and they wouldn't accept anything but total and it had kept climbing to now 1898.00. I was just honest and it worked. I was gong to send them today, but no need to now.
  3. Just had to post that in June 12, 2012, I had credit score of 568- 575. Still had 5 baddies that I couldn't get removed. Called Chase and they deleted 2 the next day. Then one fell off. Got a BK deleted that should have been off at the end of this year. Long story short, my local CU gave me a Visa with a 500.00 limit. I used it a little an paid it off throughout the month. Then the CU gave me a car loan. Lowes, Home Depot and instant approvals helped with my score. I still had one left - Capital One and they wouldn't budge. Yesterday I decided to call Experian because Cap One had reaged my account. They have been the worst yet. They didn't seem too helpful when I talked with them. Today to my amazement, it was gone! The phone call worked. Boosted my score 34 points in one day. Still have 8 inquiries but a 709 credit score. Now I can get that car loan down to 1.99%. Thanks to everybody. A year ago, I wouldn't have thought this would have been possible. But friends, I am proof. The reading and studying has made me smarter and I will go forward from here on. 709 WOW! So happy!
  4. Experian is showing Opened in Oct 2004 First Reported Jul 2006 Date of Status Jun 2007 Scheduled to continue until Aug 2013 Payment history shows JUL - OCT 2006 30 - 120 days late Then says Nov 2006 was OK (I didn't make payment) Dec 2006 ND Then Jan - May 2007 30- 150 days late and CO in June 2007 Thanks for the help~!
  5. Just want to make sure of the date. CR's show a creditor is due to fall off in October 2013. So would the 6 yr mark for Tennessee be October 2012?
  6. Yes I will. Just letting sleeping dogs lie for now.
  7. And wait until December to do this...... Dont dispute within the SOL.
  8. I am trying to remove one last baddie from CR. Capital One is reporting a charge off in Oct or Nov 2006 as past due. This amount was originally 300.00 and is now 1898.00. They would not settle with me and now the balance is unreal. They started sending statements in 2012 with all the added interest. CR is showing my balance as this amount. Can they do this? SOL in TN is 6 years. Just don't want to rock the boat with them at this point. Are they reporting correctly?
  9. Oh wow! Thanks for your time and replies~!!
  10. Sory Equifax was 675 Experian was 670 Thanks
  11. I have had three auto loans. Two vehicles purchased new and paid off at CU that I would be applying. All paid as agreed and no late payments. However , the problem is it has been twelve years ago and not showing on reports. I have old credit reports to show them. I am just trying to get a preapproval so to avoid any disappointment. My last vehicle was purchased by husband and paid off. Good history with this CU but been so long ago.
  12. Group:Members Posts:9 Joined:09-June 12 Your Age? 51 Your Equifax Credit Score? 644 Your Experian Credit Score? 662 Your TransUnion Credit Score? 582 These were pulled from CCM via USAA. How many years have you been on file with Equifax? 25 How many years have you been on file with Experian? 25 How many years have you been on file with TransUnion? 25 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 3 Total percentage utilized overall? 10% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 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? 14 yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? Own Your Monthly Rent or Mortgage payment? $656 How long have you held your current job? 7 yrs Your total provable monthly gross income is? $3750 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paycheck Stub Is there additional monthly income? What amount monthly? 405 Describe the source. Allowance paid by employer Is the additional monthly income provable? yes Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? 0 (Am able to sell vehicle now for downpayment if needed $4500 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes. One unpaid collection (Chargeoff from 2006) Was 350.00 is now at 1898.00 Capital one If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 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. 2013 Honda CRV 30,000
  13. Is it reporting that way on just Experian? The good news is that RJM is easy to PFD if you have to.
  14. Is it reporting that way on just Experian? The good news is that RJM is easy to PFD if you have to.

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