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chuyelchulo

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About chuyelchulo

  • Birthday 01/08/1988

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  1. Hey all, was wondering if any banks will allow you to use a CD to open a secured card and LOC? I was trying to find the old thread.
  2. Hello all, I've been away for a bit, but now I'm back. So here's the skinny, I've been discharged from bk now just over a year(yahoo!) Bad news is that I just received a late payment for a 5 dollar balance on a credit card I totally forgot about from SDFCU. I have partial direct deposit into my savings with them. I received no calls, until the 30th day that it was late. I rarely even check that account, because it is just my savings, and don't want to be tempted to pull money from it to splurge. What kills me is that I wish they had just pulled it from my savings to make the payment. I know that all credit unions don't operate the same, but when I had credit with Navy Fed, if you were late more than about 5 days or so, if you had it available they would just pull it from the account and send a notice of payment. BOY I wish they did operate the same way. I'm figuring this 1 late payment may have tanked my scores a bit...any suggestions? Goodwill? What to do what to do.... Thanks all
  3. Thanks. If denied, now I know what to write. It's just I had no idea what to say in one. lol
  4. I didn't think so, but its a step up. Last time they just flat out denied me....but why do all the work of sending out that nifty little truth in lending document with a custom interest rate? lol Same thing here. They sent me all that good stuff and I was still denied due to "BK". The LO was not very helpful and stated that my almost 3 years post BK was still "too recent". I sent a Recon letter to the lending comittee and was approved for a lower limit which I accepted. Anyone got a template Recon letter, I'm feeling like I need to get one ready, lol. Never wrote one before.
  5. Similar to navchek from the way it reads on the little sheet she sent me.
  6. Most likely you will get it. BTW, SDFCU could either mean State Department or San Diego Federal Credit Union. in this case its State Department. I forgot about the other one.
  7. I didn't think so, but its a step up. Last time they just flat out denied me....but why do all the work of sending out that nifty little truth in lending document with a custom interest rate? lol
  8. So I applied for a Line of Credit through SDFCU. I got an email today stating that I need to send paystubs. Is this a good sign? They also sent me a truth in lending statement that included my interest rate. Does this mean I might get it?
  9. It's still in debate. I was advised that I got lucky with the credit card, as the loan rep that did my app wanted to help me with an additional line to improve my score and grow with me. She is trying her best to get my car loan approved, as she also advised me that they have a 2 year post bk rule, and I'm not even a year yet. Even if I don't get it, I do appreciate the Visa.
  10. Hopefully it sticks. The loan officer hasn't seen it yet because they were gone for the day, but the rep said everything looks in order, and I got past the hard place by being approved for unsecured credit.
  11. UPDATE: So I called DCU today, and did an app for the second chance refi. I was quoted 5.99%
  12. Congrats! It lends me some hope within the next year. Thank you
  13. Will do on monday. With my current score what kind of rate do you think I'm looking at? It has to be better than the 15% cap one gave me. I was approved for a DCU auto loan at 6.79% with an EQ Fico of 665. I added my DW to the application and DCU used her Fico of 683 which gave us an interest rate of 3.99. oh nice...im going to call tomorrow and see what they can do
  14. Will do on monday. With my current score what kind of rate do you think I'm looking at? It has to be better than the 15% cap one gave me.
  15. Has anyone had one? I just got a car loan from Cap One, horrid rate. I was considering trying to refinance since they have been so generous. My score is only 655. I was just approved for an unsecured Visa with them. Do you all think I have a chance? Can they use the same pull? Thanks in advance everyone.

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