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fedtrouble

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Everything posted by fedtrouble

  1. Applied for the Chevron/Texaco Biz Card off the Business Credit Section.. I don't remember if I put any personal identifying information in or not.. does anyone know if it reports on personal credit report? Thanks, -B
  2. Today my Equifax score from myfico.com = 686 USAA = 695 Equifax Complete = 630 11/6 my Equifax score from myfico.com = 663 USAA = 686 Equifax Complete = 596 10/29 my Equifax score from myfico.com = 648 USAA = 670 Equifax Complete = 570 10/23 my Equifax score from myfico.com = 631 USAA = 603 Equifax Complete = 567 So I have to agree FAKO vs FICO really really freakin wierd.
  3. I just spoke to Wells Fargo and I can refi a dealer originated loan.. after six months.. I'm assuming they do another hard pull.. and since my all my scores have jumped I hope they reduce my intrest.. Equifax has jumped over 100 points since then.. I'm going to wait until the car I co signed on shows as paid off..
  4. I have managed to rid everything negative from Equifax.. Cleaned up TransUnion.. but still have three collections which I IIB'ed on Experian. I for the life of me can't get them removed.. I've tried multiple different ways... WhyChat.. One Two Punch.. Everything.. they seem to be stuck like chuck? Currently have Experian Frozen.. because I want to scrub it really good.. I'm looking for any wild and crazy ideas.. something which someone tried and it just worked!
  5. No I did not use whychats method.. Just a simple dispute.. I don't believe the address was disputed first. I know that I'm going full force with TransUnion and Experian to delete the address associated with it and then delete the BK.. I have hope! :-) looking at whychats method
  6. I was approved on the Mortgage.. Approved on the Car Loan.. Approved for Orchard.. BBRZMC.. Hooters.. Jared.. Denied on others.. to many inquiries.. PULLED MY REPORT TODAY... 3 Inquiries!!!
  7. It is suppost to be deleted at the 10 year mark.. But I will tell you I disputed mine and it was deleted off my credit report. You might want to give that a try! How close to the 10 yrs were you? I just passed the two year mark!!! Yeah you can do it.. And it's really easy with Equifax
  8. It is suppost to be deleted at the 10 year mark.. But I will tell you I disputed mine and it was deleted off my credit report. You might want to give that a try!
  9. thanks! yeah my significant other is using equifax complete.. though I just added him to my amex as an au so he can get it also..
  10. Just tryin to obtain your status Bob.. I'd love to upgrade my clear amex to that nice platinum color!
  11. In June of this year I bought an 07 Jetta. I was able to obtain financing through Wells Fargo Dealer Services only after I put $4000 down. The total purchase price was like $14000. My monthly payment is $262 and my intrest rate is 19.99%. I had a bankruptcy in 2008, chapter 7. So I had yet to pass the 2 year mark on my bankruptcy and I had an open Car Loan which I had co-signed for in 2007. Since I have purchased my vehicle I have cleaned up my credit alot, and improved my scores significantly. I have read on the Wells Fargo site that after six months you can request refinancing. Well at the six month mark I will still have more than the required amount $7500 left to pay. But if I wait till after February the other car loan will be paid off. Which I believe will help out on my credit score also. Also all the inquiries on my credit report they are all gone now. I have paid more than the required amount every month, and in fact, when it came to Octobers payment I didn't have to make one, and my november payment was cut in half. I didn't want to pay october and overpay in november because I didn't want to get below the $7500 mark before I could refi. What are the chances I would be approved.. and is there anything that would help me out. I have been able to remove the bankruptcy from my credit report with Equifax, along with all the collections. I have been able to remove all collections on TransUnion. Still working on Experian with the bankruptcy and Collection. Thanks
  12. I've pulled daily with CreditSecure (Amex), MyPrivacyMatters, Equifax Complete and USAA. I started my daily pulls before I even knew about B*.
  13. Love how the article says that if they are convicted they will receive 70 years.. lol.. to bad the papers never tell the readers how much time they are really facing... under the federal sentencing guidelines they won't see more than 24 months..
  14. Lol.. I bought a house.. and a new car.. those accounted for alot.. On one day Carolina VW initiated 15 inquiries.. didn't buy a car that day, and didn't know anything about credit.. A month later I finally settled on which car I wanted and went and got it... funny thing is.. it was a pain in the flowers because the new dealership had to call the underwriters and explain why I had so many inquiries.. Also got a Jareds Card, Orchard Bank, Best Buy Rewards, and Hooters Card.. Now I'm going to let them age and hopefully my score will keep rising and rising!
  15. I started pulling daily back in September with Equifax. I've gone from 39 inquiries on October 15th to 3 today!
  16. Thanks! I'll have to remember that, because it is the exact error I got with USAA.. Amex wouldn't even let me login.
  17. Ok that make sense.. but here is the issue.. I only have 49 softs.. but I am pulling Credit Secure.. USAA.. MyPrivacyMatters.. and Equifax Complete.. what's the issue? you have 3 pullers and Hards count towards the 85 total needed for B Thanks! So glad this is happening and they are falling off so quickly.. Hopefully they'll all be gone very very soon! Next job for Equifax.. lower Utilization..
  18. I wrote AT&T and TimeWarner they recoded the hards as softs and they both updated on my report before I got their reply letter
  19. AHHHH!!! Thank god!!! I was worried!!!! So i'm not the only one who is having this problem!
  20. No they were not close to hiting the two year mark.. Random inquiries just gone.. for example.. i had 5 cap one inquiries the other day.. down to three today.. the oldest still there and the newest still there.. but two inbetween gone.. crazy And I just pulled my report (12:49am).. I am now down to 16 inquiries
  21. No they were not close to hiting the two year mark.. Random inquiries just gone.. for example.. i had 5 cap one inquiries the other day.. down to three today.. the oldest still there and the newest still there.. but two inbetween gone.. crazy
  22. Yeah I saw a jump from 577 to 600 one day and from 600 to 581 the next.. FICO has mood swings..
  23. This is Equifax. Inquiries are dropping off daily.. Am I getting B* ??? On 10/27 I had 31 hard inquiries; I had 21 soft inquiries On 10/28 I had 32 hard inquiries; I had 23 soft inquiries On 10/29 I had 31 hard inquiries; I had 25 soft inquiries On 10/30 I had 31 hard inquiries; I had 28 soft inquiries On 10/31 I had 31 hard inquiries; I had 32 soft inquries On 11/1 I had 31 hard inquiries; I had 36 soft inquiries On 11/2 I had 30 hard inquiries; I had 39 soft inquiries On 11/3 I had 29 hard inquiries; I had 39 soft inquiries On 11/4 I had 24 hard inquiries; I had 41 soft inquiries On 11/5 I had 21 hard inquiries; I had 45 soft inquiries On 11/6 I had 18 hard inquiries; I had 47 soft inquiries
  24. Ok that make sense.. but here is the issue.. I only have 49 softs.. but I am pulling Credit Secure.. USAA.. MyPrivacyMatters.. and Equifax Complete..

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