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Everything posted by fixinmycrediks

  1. thesaintly, I actually called back and spoke to another representative and confirmed that the payday alternative loan would show up as a line of credit on my credit report. I could not locate any information online for that exact "wording" of a loan through Suncoast but I did locate information on a this type of loan through the credit unions that is available: https://www.mycreditunion.gov/what-credit-unions-can-do/Pages/payday-loan-alternatives.aspx From what I have researched on here so far, the Discover card (secured) or the Cap1 are the two secured credit cards that I had hoped t
  2. I just got off the phone with Suncoast Credit Union loan dept. I had to make a call to Suncoast regarding the text message for your balance etc/not the app. So I decided to talk to someone in their loan dept to see what information/insight/help I could get. The gentleman was very nice and helpful. He pulled up my information for when I was denied the auto loan a year ago; and of course the information was based on that data. I did not want to pull my credit/apply just yet as I have a few items due to fall off report which I requested to be deleted and am waiting on results. I to
  3. Thanks MarvBear, I will ask about the CUDL system. Appreciate all your help!!! coachtom2183, Appreciate info. I understand where you are coming from with your direction. I even considered getting tranny fixed on my current vehicle because engine still strong at 220k plus miles along with the new tires, suspension, and brake work done last year. I am looking at beaters too. Trying to cover this logically from all aspects before I pull the trigger. Especially with the 3 items due to fall off my credit report this year. I would eat a year(hopefully less) of higher intere
  4. Tycooper, I looked at your post and I see 3 years difference between the used vehicle at 4 years and the new vehicle at 7 years to payoff with payment and interest rates almost the same as you stated. At the end of 4 years you will have: Used vehicle---A paid off vehicle that is now 10 years old, with approx 200k plus miles on it..................................................... (est. 25k miles per year). New vehicle----Still vehicle payment on a 4 year old vehicle for 3 more year with approx. 100k miles on it. If that truck payment is $500/month that is $6,000 per year or
  5. Yes MarvBear, I am in Fort Myers area. I am not stuck on Suncoast as I tried them March of last year and was turned down. I am open to other suggestions in Florida (willing to drive to Tampa or Miami areas) that you think I will have a better shot at getting financed that will "hurt" the least for about a year until I can refinance???? I would love to secure the financing first and then walk into the dealership if that is possible in my situation. That is how I did it years ago with Citi. that sold it to Santander. I will definitely go into the dealership as you noted!!!
  6. Thanks MarvBear!!! So, I will use the $3K as down payment with my 535 score instead of paying off vehicle at this point as the information I stated is directly from my credit report from Mar/2017. So with that saying "charged off" from last year and your comments give me hope. I was reading up in the other forum and will try to get 2 of the items deleted early from my credit report with online dispute as "too old on my file" and see if they will delete them early. Hopefully this will bump the score up a bit. I have seen some have up to 6 months early deleted OC's. I am thinki
  7. MarvBear, Whichever will give me the greatest chance of getting an auto loan. My thought process which may be wrong; I am thinking with this unresolved Santander item on my report that it will prevent me from getting the auto loan until it is resolved? The Santander is my oldest account on my credit reports, like I said it has 3 years of good payments until the baddies. I will still have the problem of getting rid of the broken vehicle and I am thinking the title makes it easier to do so if I am not able to use it as a trade-in (thinking small chance of this) I'll take adv
  8. NCB Management Services. Shows under loan type as Debt Buyer. It also has date to be removed same as Santander (Mar2020).
  9. Hey MarvBear I have the broken down vehicle. The Pay Status on my credit report states: >Charged Off< No where on credit report under Santander does it state Repossession. It does stated under the Remarks: Purchased by Another lender; Transferred to another office Estimated to be removed from my credit report Mar/2020. When I was going through all of the stuff I noted (loss job-disability issues) Santander had sent me an email settlement offer on the remaining total principle balance if I could have paid 30% of the remaining money owed they would have settled
  10. Hello Everyone, I used information I learned in here about 6-7 years ago to help rebuild/repair my credit. Not too long after, I loss my job/unable to work due to my disabilities. This caused extreme hardships to living in my vehicle. The VA has helped me and now I am in a position to repair/fix my credit again. During this process my over 721 credit score went down to 535 according to myfico TU. I have 4 credit cards and 1 vehicle(gonna call these the "5"), all which have been charged off. 2 of these (1 credit card and Santander) have been sent to other collection agencies on my
  11. another FL C* confirmation. Went from 24 to 9 before the axe!!! My dates look just likes scwam's.
  12. Roland, one of them is RentGrow/Beacon dated 7/23/09 and the next oldest is CIS Information Services dated 12/17/09 which neither were removed. The 3 that were removed were CapOne, HouseHold Credit Services, and Sears. None of them were mortgages.
  13. I had 3 bump today from yesterday so I am down to 21!!! What I thought was weird was the fact that it did not remove the oldest 3 inq's. My oldest inq is 7/23/09 but it removed one from 1/4/11, 8/11/10, and 8/12/09. It jumped all around others. Is this common?
  14. I had successfully sent a GW letter to Santander who deleted the late payments about a month ago. Now they have returned on my TU report. Of course the letter I should have framed is missing!!! I know it had the representative's name and telephone number on it. I am going to call them to see if it is in my file; any other suggestions???
  15. Irishcowboy any luck yet? I think I am going to wait until I can remove that last baddy since the CRA received my WhyChat letter on the 19th-hoping it will be removed. Keep us updated on the recon please.
  16. Thanks loseartworks, I will not try tonight at 1155 and wait until after 9am tomorrow and see if it will show up. Any comments on the TU pulls as I keep reading that only SC works???
  17. Good question Madmax as I am pulling USAA-CCMP, MPM, and EC curious if that is helping TU. I have noticed MPM is not showing up daily on EC thus not getting the "3rd pull" every day???? Thur--no Wed--yes Tue--no Mon-yes Sun--yes Sat--yes Just started noticing this trend; I have been pulling it later and later to where last night I pulled MPM at 1145pm and then right after I pulled EC. Anyone else experience this issue, is it because of the time frame that I am pulling late at night???
  18. Thought I would revive this old thread since it contained the same letter that I received from Chase. I received my denial letter from Chase last week. Monday I received a letter from them asking to verify with copy of SS and a utility bill. I found this thread and decided to call them since some had favorable results. First rep. I spoke to named Dillon advised me that there was not a fraud alert they wanted to verify my application before it could be forwarded through their process. I asked him several questions as I was curious to see if it was legit. I answered his questions; h
  19. Virtualtreasure--I think I am going to give it a week to see if the WhyChat letter works with EX. IrishCowboy---keep me posted Sonicanatidae---I have 3.8 yr (oldest account being 13 years)AAOA perfect histories too, just not as many accounts Yeah I figured this one would not get too much attention since most have been approved. I will call them today and find out what their procedure is for recon and post back here....wish me luck!
  20. I was denied PSECU credit card due to the fact that I have 1 baddy medical-$65 on my Experian report. My Fico scores are 686TU and 712EQ(lots of inquires--went down few points). I spoke to the rep and she advised me it was because of the 1 collection. She did state to get it removed and re-apply. I have sent off WhyChats letter (they received it on 4/19/11)on the baddy so I am waiting. For PSECU $10-$15k credit card it may be worth paying the baddy but I don't want to pay any CA! I have read through the PSECU new member thread; just wondering if anyone has had success with 1 baddy RE
  21. :wave:Hey Newbies, I am a newbie too If you can give the elders some more information that they can read off of from your credit reports(see below) it would probably help them identify multiple errors and give guidance. This way they can read all the information to give you best guidance. Just make sure you delete/x out your personal information as account/your name etc... (not thread jacking just piggybacking as I am subscribing to your thread as I need info too) I am in same situation with one of my accounts that is still showing open from 2004 in the example below: Springleav Fin S
  22. Follow up from original thread- I emailed Chairman James Quinn at PENFED and received a quick response the following day(you get an automatic response confirming your initial email was received shortly after you send email). I basically disputed the pyramiding since I only have 3 accounts open as noted in original thread with at the time on the 2 credit cards total of $720CL(the 3rd is car loan). Explained my average account was 4 years old which I felt was not limited credit experience with positive closed accounts too dating back to 1998. In summary of my 2 emails Chairman Quinn( s
  23. Good Early Morning, I pulled MPM yesterday for the first time; today I go to pull it and umm...I don't see a button to click on for new pull? Did I miss the boat on something? I need coffee...lol Help me please...
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