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LearningToFly

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    Beautiful South
  1. Domestic partner and I carpool today. It would be nice to have a second vehicle to add options.
  2. Your Age? 44 Your Equifax Credit Score? 556 Your Experian Credit Score? 565 Your TransUnion Credit Score? 575 How many years have you been on file with Equifax? 10 years How many years have you been on file with Experian? 10 years How many years have you been on file with TransUnion? 10 years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? None How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? Volkswagen Your current open auto loan payment is? 450 Estimated amount you may be upside down in this vehicle? $2500 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 20 active Total percentage utilized overall? 90% How many of your revolving accounts are store cards? 8 How many of your revolving accounts are major credit cards? 12 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? 3 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $550 How long have you held your current job? 8 years Your total provable monthly gross income is? $4250 Your provable monthly gross income is provable via what method? electronic pay stubs Is there additional monthly income? No Is the additional monthly income provable? n/a YOUR DOWNPAYMENT Please tell me your exact down payment in cash? $1000 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) 7 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) 9 Used 2008 Audi A4 35k miles, $15k + TTL This would be a second personal vehicle for me. Thanks in advance.
  3. Mizliz, I paid for the score so I was comparing Fico to Fico (I have a service, but don't trust FAKO scores and wanted to see where the deletion would put me).
  4. Disputed old CO due to fall off 11/2014 yesterday online w/TU and Mon by fax w/EX & EQ (couldn't get online to work). This morning gone from TU & 21 pt bump. Woot woot!
  5. Thanks guys! Yep, my thought is dispute now, give it the 30 to resolve, then start looking at prequal in 60-90 so timeline wise I should be good. My LO did say it wouldn't be a deal breaker, but the score bump could mean a big difference in rate offers based on the score boost since it is the only baddie. Appreciate the help!
  6. Hi All - New to the mortgage board, but long time CBer here. I have one negative left ($1400 CC CO) that is due to drop off reports in Nov/Dec. I plan to start the mortgage pre-approval process 60-90 days from now. Is there any potential negative impact to disputing the one negative early (now) as obsolete instead of waiting for it to drop in November/December? I could use the score bump it may provide.. Thanks in advance.
  7. Wow, that's pretty crazy. I know they used to do the transactional approvals and no limits, but moved to a limit-based card maybe a year or two ago, so I wasn't sure. I typically purchase about $200 at a time max there, but thought it would be nice to have the higher limit in case I did want to carry a balance for some odd reason.
  8. After a pretty hot streak of opening a couple of new accounts (including an Amex Green card - finally in with them! ) I decided to hit up my existing accounts with puny limits for CLIs. Except for Citi/BB, I was successful across the board. However, Macys' response was below (I gave the reason as redecorating the house and needs some decor/furniture). In order to process your request, we highly suggest that you go to the store and one of our store associates will be more than happy to partner with our Credit Granting Department to accommodate you with your purchase. That sounds to me like 'prove you need the limit by making a purchase at the store, and we'll grant it'. Looking for a response from others with experience. Thoughts? Thanks!
  9. Follow WhyChat's method (to the letter) on the two medical collections and hopefully you should get them removed. http://whychat.5u.com/ If you have specific questions on those two accounts, post them in the medical forum. That should make a pretty solid difference if those are the only negatives on your reports. Make sure you're paying revolving lines before statement cut (not just by due date) to prevent balances from reporting and showing high utilization. The more age you get on the newer accounts, the better off you'll be as well. Hopefully some others can chime in as well. Good luck!

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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