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  1. Hello Marv, need your wisdom once again and thank you in advance! Your Age? 45 Per MyFICO: Your Equifax Credit Score? 728 Your Experian Credit Score? 749 Your TransUnion Credit Score? 788 How many years have you been on file with Equifax? 22 How many years have you been on file with Experian? 22 How many years have you been on file with TransUnion? 22 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? Yes 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? Golden 1 CU Your current open auto loan payment is? $454 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) Never late on a payment (10) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 25 Total percentage utilized overall? 17% How many of your revolving accounts are store cards? 10 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 15 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 yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? OWN Your Monthly Rent or Mortgage payment? $1600 How long have you held your current job? 5 years Your total provable monthly gross income is? $5400 Your provable monthly income is provable via what method? Paystub or tax return Is there additional monthly income? no Describe the source. Is the additional monthly income provable? N/A YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $0 Does any credit repository contain any public record? Yes If yes, please very briefly describe. BK Chap 7 Discharged 9/2010 Does any credit repository contain any Collection Account(s)?No If yes, please very briefly describe. NA 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) 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. 2016 Ford Explorer Sport for 28k I thank you for your time. Thanks Haha Confused Like × Quote Hide Emperess's signature Hide all signatures
  2. Just a quick question. After I put LN on ice, whats the best way to dispute CH7 on reports? It'll be 7 years DC this September. Thank you !
  3. So I get this letter that just says County Services on it and postmarked from Phoenix AZ and the title of it says Enforcement Order - Levy. It looks like a fake court document saying that in accordance with the statute of civil procedure 41(a) Ive been found in default of a material legal instrument in excess of - default occurred within the applicable statue of limitations and has refused court ordered mediation. Says they are going to levy my accounts and all cards blah blah. I called the number they have and its a recording that says you have reached the Arbitration office and to leave a message and case number ect. That's when it hits me that these guys have called me before in the past with a bogus claim. The thing that ticks me off is they have my SSN and now I feel I need to take some kind of action. There is no address for these guys that I can find. Any suggestions ? thanks
  4. Had my Jared account closed after 2 years of non use. No notification.
  5. Yes the platinum visa. Not sure which Fico version it is either.
  6. Not sure how long they have been offering this but I logged on today and noticed they offer a quarterly Fico score from Experian. Wanted to pass it along.
  7. No joy for me. Even after paying off the 10k card.
  8. In that case... Congrats!!! In that case... Congrats!!! Congrats from me also! It's so nice to be happy with what you have. Thanks !
  9. Yeah I fully understand calling UW would've possibly made for higher limits but seeing as I already have many more with high limits and I don't really use these cards, it wasn't that big of a deal. Just nice to get something.
  10. Walmart 700 -1300 Amazon 700 - 2200 Lowes 300 - 3300 Chevron 500 - 900
  11. Rarely use any of them because they were pretty stingy giving CLIs before. Today while checking my WM account I clicked the luv button just for the hell of it and to my shock they kick me down a CLI. So I went to another account and sure enough they hook me up as well. Then I figure lets try em all and all grant a nice CLI with Lowes being the most generous
  12. Lol that's a pretty cool trick. Mine came back as " Customer in control group" The more I think about it, this is pretty ironic... So an old account from many years ago that was CO or one they acquired, wouldn't prevent you getting multiple high limit cards years later... but it does prevent you combining cards? what kind of sense does that make...

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