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Everything posted by fixinmycrediks

  1. I probably would agree with your opinion regarding the "extra house" with other circumstances. I am at a different age/stage/physical conditions. This gets to the comment cv91915 made "There just isn't enough time to write 12,000 words with if/then/else statements in every response." I have different options I am open to regarding the house/location/and what it offers. While financial benefits are one part of the scope, living and enjoying within your means with what you have available based on your conditions another factor. The nice 2 bedroom across the street from the canal d
  2. Let me start off answering that by saying, I enjoy doing Cost Anaylsis(self taught and always learning more). So that answer is of course easy and complicated:) I understand the middle score is used. If I use my current middle score right now for a mortgage, it would be around $25 more per month over my current rent. I used the Zillow-estimate of the house I am currently renting which is of a higher value because it is on a canal with access to the gulf. My scores going up starting next month and forward will push me into higher brackets improving the savings. I hav
  3. Agree, working on the 6 months of savings, slowly but surely. That is where an opportunity comes along (even in misery) that I am weighing all options to see if the risk is low enough etc. etc. What about the AU I mentioned above in original post; I am thinking it is time to cut ties with it. Where I would lose length of AAOA from over 2 years down to 1.6 years but would gain more in my scores with the Utilization going from 44% to 27%, correct???
  4. damba, If you are talking about the VA funding fee, yes it would be waived in my situation. The VA allows it to be financed with the loan. Appreciate your thoughts. I am not rushing in, just pacing myself and seeing possible opportunity to hit an extremely lower window than normal when it comes to VA int/rates. With this window of opportunity coming up, knowing I am not 100% ready, just seeing how I can fit into that window if possible now to get the benefits from this rare moment. My thought is catching the VA lowered interest rate window now (next 6 mon
  5. Yes---definitely want to take advantage of dropping of mortgage rates "if possible". They are not the mortgage FICO scores, but the valid FICO (not fako) scores from BOA, DCU, and Experian. I went back and looked at when I purchased FICO report 4/27/2019 Equifax score 651....mortgage FICO 5 score was 695. It had these Negative Factors which have changed a bit- 1. You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report. 2. You have a short credit history. 3. You've made heavy use of your available rev
  6. Hello, Hope all are as safe as can be under the circumstances. My road back has me closer to getting my first mortgage. Currently I have scores 636 to 653 <---with 62% utilization. As of last week I have lowered my overall utilization depending on which way you look at it; which brings me to my first question. Utilization with AU is 44%-----------------AAOA--2 years (once all new balances are reported) Utilization w/out AU is 27%---------------AAOA--1.6 years-----thinking this would put my scores in the 660-670 range??? My ol
  7. Hello, I went ahead and dove into the new truck (previous posts debating back and forth etc). I will sell the used truck on craigslist/hoping to come out better than the $800-$1k the dealership mentioned. I prequalified through CapOne first, $35k at 7.85%. Truck cost more so I ended up with 9.99% at PNC. CapOne would not go up the few grand which I understand. My credit scores (fico 8 ) are 624 to 636 but of course different with the versions used for auto financing. Understanding where my credit sitrep stands I was ok with the CapOne 7.85%. Updating m
  8. WestCoastKid, I know the wisdom spoken above comes from the experienced ones; but I like you feel that want, though it feels like a need to get that unsecured card. We are in similar boat with baddies and scores (mine range from 606-628). I got my QS1 after 4 months with my Cap1Plat. Psychologically the unsecured card feels great even at the smaller limit. It was a hurdle. I know and believe what the elders are saying as they helped me way back in 2011ish. I figured I would do the CapOne Product Change when I can upgrade the card to get out of the subpri
  9. Thanks Bradk14! I did that with a PAL (Payday Alternative Loan) from Suncoast Credit Union, so I know what you are talking about. I used that $1k and opened a secured SKY credit card. Paying that PAL down to under 30% this next month. This PAL reports as a Line Of Credit. Both of these have been reporting positive the past 6-7/months. The Saving Secured Loan, I will immediately get it to the 30% mark and then payments for the build/help. Thanks.
  10. CV91915, using your key words triggers, notifications, I came up with this link from Experian rather quickly: http://www.experian.com/assets/consumer-information/case-studies/first-financial-collection-triggers.pdf Wow...was not aware of the trigger and notifications that go out to the debt collectors based on us spending money to get the report. Probably all in the super fine print somewhere.
  11. Hello, I come across an interesting pattern or "coincidental timing" of account review inquiry by what seems to be potential debt collectors when I have done certain actions. I was reviewing my TU via backdoor and was going down the listings in the Account Review Inquires section when a date stuck out in my mind in March/2018. This was the date I officially bit the dust and started my real fight on repairing/rebuilding my credit that I have posted on my visual board on my wall. Specifically, I purchased the 3B report from myfico so I could have my official Fico-8 sc
  12. Hey Shifter, Yes typo as scores are between 606-628(fico-8)....thanks for the catch. I should have clarified that simulators was reducing my total utilization down below the 30% to under 10% which seems to coincide with what is said on here and most write-ups targeting optimizing the credit score. I definitely get what you are saying about the bigger fish to fry as I am working on ways to crack the remaining few baddies. The Midland I can ride it out till May or early deletes. The remaining 3 are the tougher nuts/working on the angle of attacks on them.
  13. Hello, 1. I do not have an installment loan (just credit cards and 1 retail card). Well, I do have written off Santander vehicle loan and 2 others that show up on my credit reports as "installment loans" (Midland--Credit One cc, and NCB which bought from Santander). <---collections correctly listed on my reports? I am thinking about getting a secured saving loan like the old Alliant hack to increase my score a bit, pay it down to low utilization marks, under 30% and then under the 10% to maximize/help score. The question here is will this secured saving loan still give me
  14. Thank you ALL for keeping me focused and avoid the pitfalls of my brainstorm (drizzle storm-lol) I did call the Tax Collector office today and they were able to verify that TranSouth was in fact what they had in the ELT system. The Rep also told me that it was a paper title, not electronic.
  15. MarvBear, that is exactly what I need!!! I don't want false air/hope in my bubble so your info or others will keep me grounded and is much appreciated!!! I will confirm this upcoming week at a dealership exactly what is stated in the ELT system. I had looked up the information online from the Florida Department of Highway and Safety's website based on my vin# and found out they are showing the TranSouth Financial Corp info. The vehicle information check shows "paper title with lien" on Florida Dept's website. My goals- -Clearing up baddies on my credit reports
  16. Well...that was the great hope....understanding it may not be realistic. I am hoping/wondering since Santander has the title/lien that IF I contacted Santander and could make the "re-aging" into somewhat of a positive for me that I could potentially get some benefits from the situation of exposing myself to the re-aging scenario. I am thinking at a minimum, even if they don't remove all the derogatory late baddies that they would pull the account back from NCB since I would be paying them directly. Removing NCB would be a partial win for me as it would remove a negativ
  17. 2013. So I am past the Florida SOL 4 years for contract, past the 5 years of repossession, and no court order-safe from that part if I am understanding the SOL info correctly.
  18. Hello, Ok...ok don't laugh at me too hard. I know it sounds crazy but IF....I could pull this off and of course potential ramifications come into play; so let me have it to keep me focused. Scenario--- I have a Santander account at $1800 that was written off and sold to NCB. Both are not scheduled to fall off my credit reports until mid year 2020. The car, well for all argument sake, will run and has a great deal of sentimental value to me (and my daughter). Yes, I know it is a piece of metal that can be replaced. MarvBear has been helping me over in the
  19. Hey MarvBear, I was searching google on the ELT and came across the Florida Department of Highway Safety and Motors Vehicles website which allows a vehicle check by title number or vin: https://services.flhsmv.gov/MVCheckWeb/ My vin shows the lien information as TranSouth Financial Corp. I am sure you know this but google shows TranSouth bought by CitiFinancial Auto which was bought by of course Santander. I saw people having issues getting their titles because TranSouth out of business. Safe to say Santander would be the place to contac
  20. mk_378, I see my BMW as I imagine a 90 year old husband would see his wife; through the wrinkles of time seeing the beautiful wine adjusting, her frozen beauty is what I will always see!!! LMAO!!! Loyalty at is finest. I am that guy that has cut across Virginia going east/west from Florida to Pennsylvania just so I could take the really back, back roads up down the mountains to enjoy the twisties!!! ok ...ok..enough. Yes, worth $1800 even in her condition. I should probably just keep her for all the sentimental value. I gained some weight past few years due to ch
  21. UPDATE AND QUESTIONS--- UPDATE-- I want to thank all of you because I let the advice sink in and bought me a beater truck which turned out to be a "good truck" after sinking in a few hundred bucks after purchase. I now currently have 4 (soon to be 5 this month my Discover Secured CC is enroute) positive tradelines that range from 3-6 months of positive/on time payments. I will let these grow and I continue to prune the garden of the weeds(bad items on credit reports). THE ASSUMPTION :( I went up to Pennsylvania couple of months ago and found out t
  22. Hello, I read on here somewhere that opening up backdoor to any of the CRA's opts you back in. I don't remember where I read it(to give credit) but it is stuck in my brain. So, the question; what actions causes one to be Opted back in automatically? I currently look at the following (probably need to read the fine print for opt-in-out language): 1. Discover Scorecard---this gives me my Fico 8 EX score 1a. I am waiting on my actual Discover Secured CC(should have within 1 week) so this will give me my Fico 8 TU score 2. CapOne-CreditWis
  23. Hello, I have looked at this over the years; now it seems more organized with the CRA's reporting the rental history payments. Is it worth it??? I understand there are company's that charge a fee to process the information. My 3 credit scores are now in the 611-620 range/Fico 8 version. Withstanding the fees, has anyone found this worth it with the increase in credit scores??? Anyone in here have their rental history payments reporting on their credit reports??? Having the ability to get 2 years worth of rental payments on my credit report, this I am hoping would h
  24. Hello, I came across this proposed class action lawsuit against Santander (vs. Anderson) 2017-regarding the 30% Settlement Letter "...that supposedly violates the Fair Debt Collection Practices Act (FDCPA) because it falsely implied that the settlement offer was valid only if payment was received before a certain date. In truth, claiming the the proposed settlement deal was a a "limited time offer" is considered misleading to the least sophisticated consumer, according to the suit." I received this letter. Just curious of the outcome as it seems it was
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