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  1. The big four? Lol, I didn't even know of a 4th one. Yes, it's from real paper reports from Experian, Equifax, and Transunion.
  2. Basically, below are the baddies on my reports. I know I can't do much for the lates, but I'm hoping I can work on the other ones. I’ve been lurking and researching, but not sure what to start with. Any help is appreciated. Equifax Lates: Auto loan – 10x in past 2 yrs. 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due. Charge Offs: Cap One #1 = $1850 from Apr 2020, but shows as open and 120+ past due UM Old Balance from 2012 – $8k Experian Lates: Auto loan – 14x in past 2 yrs. Status says: Now paying/was a charge-off 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due. Charge Offs: Cap One #1 = $1850 from Apr 2020 Cap One #2 = $613 from Oct 2019 Trans Union Lates: Auto loan – 14x in past 2 yrs. (says C/O for Oct 2018) 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due. Charge Offs: Cap One #1 = $1850 from Apr 2020 Cap One #2 = $636 from Oct 2019 Collections: IC Systems (Charter Communications) = $167 Auto loan: It was almost a repo. I paid past due the same day they set it out to be towed. I was 3 months behind. Why are they saying it was a charge off? What can I do? Student loans: I was in forbearance, but Navient says they no longer change credit reports. They sent me letter confirming forbearance for those months. Charge Offs: Since they are within past year, should I try to settle, pay in full, or wait a while?
  3. Interstate Freight Transport - Flatbed and Refridgerated Trailers Small start-up fleet of 3 Trucks and 3 Trailers Based out of South Florida
  4. Pardon my ignorance but, if you can use the WM card at Sams, why is the WM card useless?
  5. Greetings. I've been a member of the board for many years, but almost never post. I have learned so much here and I'd like to contribute where I can. I'm in the transportation industry. Incorporated in 2012 but didn't start pursuing credit until now. I have a website, added my info on 411, Google maps, & have a business voip line. I'm not sure if any of that matters. Here are my No PG approvals: MultiServices Fuel Card Net 7 - 10k Pilot/Flying J Direct Bill - $50k (basically Net 7 ) Amazon Net 55 - $2k I'm new to business credit and am still trying to figure things out.
  6. Thanks Jusrlost. I'm going to try that first!
  7. Thanks SBA. Well, it's for a student loan, and they don't do it by credit score. They just look at the actual accounts on your report. Odd thing is that when I pulled my report (same day as they did), that old ATT collection was not there. How is that even possible? Justlost, did you actually owe a balance or was it actually Bellsouth's error? I think I'm going to try to call ATT, and then (if unsuccessful) do a PFD.
  8. I applied for a student loan and was told that I need to resolve an old collection account before they will approve the loan. It's an old ATT utility bill for $93. It's an old balance that was never forwarded to my new address after I moved. I never received any notice from ATT. All I received was a letter from a collelction agency (a few years ago). I want to pay it off, but do not want it to stay on my credit reports. I read about PFD and want to try it. I did a brief search on here, but I'm still a bit unsure. Who should I send the PFD letter to? Should I call them first? Does anyone have any experience with PFD with old utility bills? I need to complet this as fast as possible (for student loan deadline). Any advise is appreciated. Thanks in advance.
  9. Can someone please clue me as as to what C* and B* (mentioned in this thread) stands for? Pretty please? Feel free to PM me if necessary. Thanks.
  10. Can someone also PM me the info? Thanks.
  11. I just tried this with Avenue.com and got the "pre-approved" message for $250. Just an FYI...
  12. I'm a newbie and just wanted to say "Hello". I'm excited about cleaning up my credit and building up my score. For now, my goal is to get my FICO into the 700s.
  13. Thanks for responding. Actually, I do have documentable income -- I have a part time job, I just happen to work from home. I'm not too worried about the POI aspect. I need a dependable vehicle for school and for my upcoming internship. When I purchased my current car, many years ago, I planned to use it until I graduated. Unfortunately, this did not pan out. any vehicle I purchase now must be suitable for my forthcoming career and should be able to last me for many years to come. Whatever I purchase, I do not plan on changing until I start a family (many years from now). I should have about $4500 (total) to put down by next month, but I mentioned $3,500 because that is what I presently have set aside for a vehicle.
  14. Hi all. I'm new to this forum and have been soaking up so much information. I'm currently a graduate student in MI, but am a FL resident with a FL DL. I pretty much drove my old car to the ground (which I intended to do). Now I need another vehicle (financed). Can I purchase a car and finance it at a MI dealership? Or can I only finance at a FL dealership? Can I obtain an auto loan from a MI credit union? If I just recently opened an account with a credit union, how soon can I apply for a loan with them? Background Info: I'm a graduate student set to graduate this December, and I have a part-time job (work from home). My credit is so-so (it's a work in progress). The last time I checked, my scores were about 600. I just recently paid down my credit cards to about 25% utilization. I have $3500 total to put down on a car. I am willing to trade my old one in (if possible, lol). I would prefer to purchase from a private seller (better prices). My best friend is a seasoned mechanic and would evaluate the car before I purchased it. Hmm, what else? I like pina coladas, getting caught in the rain.... LOL, just kidding around

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