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About marlin40

  • Birthday August 25

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    Your Latest Scores<br />TransUnion<br />516Date: 1/25/2005<br /> Equifax<br />506Date: 1/25/2005<br /> Experian<br />552Date: 1/25/2005
  1. Any guess on how much I can approve for and what rate?
  2. I have managed to get all collections and judgements deleted. We have been unable to obtain any new credit as we burned just about everyone in the bk. The only credit we have open is our mortgage which has been paid as agreed for 5 years.
  3. Credit Application: Your Age? 46 Your Equifax Credit Score? 606 (MyFICO Monitoring) Your Experian Credit Score? 597 (MyFICO Monitoring) Your TransUnion Credit Score? 615 (MyFICO Monitoring) How many years have you been on file with Equifax? 10 How many years have you been on file with Experian? 10 How many years have you been on file with TransUnion? 10 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? No 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? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 0 Total percentage utilized overall? How many of your revolving accounts are store cards? How many of your revolving accounts are major credit cards? How many of your revolving accounts are known subprime credit cards YOUR PERSONAL INFORMATION How long at your current residence? 9 years Do you Rent or have a Mortgage, or Live w/Relative or Other? own Your Monthly Rent or Mortgage payment? $935 How long have you held your current job? 2 weeks but 20+ years in trades all paystub provable income Your total provable monthly gross income is? $4160 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized paycheck Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $4000 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Bankruptcy ch 13 - discharge 4/29/15 Does any credit repository contain any Collection Account(s)? no If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) New or Used vehicle you are considering: Please very briefly describe. seeking a used Dodge Ram 2500 Quad Cab Laramie Diesel year range of 2010-2013. Don't want to pay more than $35K
  4. Ok..so I have my truck back, nothing paid out of pocket and nothing signed and all the bank did was send me a fax "apologizing for their ERROR and the INCONVENIENCE it caused me"... Seriously?
  5. So during the course of the evening, my truck was taken from my driveway after being in constant contact and only being 12 days past due. I called the repo guy to ask when the order was placed and he told me 9/25/09 which tells me that even though Patelco told me they were cancelling the repo order that very day, they never did obviously, otherwise, my truck would still be in my driveway. Please tell me I have some recourse here? As far as i'm feeling right now, my truck was stolen, not repo'd.
  6. $100 bucks just to look for it? I agree it's bogus....like I said, I would have put it in the garage if I knew they were even "looking" for it....apparently they can't see in the dark? Talk about kicking someone when they're down....only reason I found out about this is they put a "restriction" on my checking account which put a hold on my entire account today, held my direct deposit, therefore I was unable to use my debit card and we were unable to get gas this morning, so I called and this is what they told me.
  7. I am 70 days past due on my truck loan with Patelco. They just told me that no written notification is needed by law to be sent to me that they are attempting to repo. I was under the impression they at least had to send a right to cure letter to me giving me the opportunity to get current before they repo, am I wrong here? They also told me they are charging me an extra $100 on my loan balance for "looking" for my truck...well they apparently weren't looking too hard as it has been sitting in my driveway out in the open all this time. What am I missing here? Regardless, I paid the 2 payments today but i'm looking for an opportunity to throw it back in their faces.... I've already sent a message to Whychat, but i'm looking for more feedback....
  8. That's exactly what our plan was, to get some cash out and pay down some if not most of the debt, but it turned out to be a catch 22.... DTI too high but value in house to pay down debt and get outta subprime hell and still no go. We have a couple small cards we could probably pay off rather quickly so we'll see what happens..... I have to add that this was just a pre-qualification application. They charged us $100 bucks but the LO was nice enough to cover half of that fee. I've tossed around the idea of trying another lender, but haven't made a definative decision as of yet. Maybe you all could help??
  9. DTI is high due to the loss of work hours. Scores are low because we are pretty close to being maxed out on all of our CC's. We have been utilizing them to get by for the last 10 months. Somehow, i've managed to keep everything paid on time, even if it's just the minimums. We are looking to go FHA. As it stands right now, we would be at 91% LTV. Current loan balance combined is $254K with approx value somewhere between $280K - $292K. It appraised at 292K 2 years ago when we purchased at $260K. I had to write an explanation of debt and an explanation of my BK in 4/2004. DU said refer, and it went to Chase's national underwriting in Fla where the underwriter did not feel comfortable signing off on it. I plan to wait until we have 2 - 40hr paystubs before re-applying.
  10. Well, We were denied by Chase last month for having too high DTI...55%. Scores are around 580-600. High DTI is due to DH only working 24 hours per week for last 10 months due to construction trades being slow, however now is back up to 40 hours by bouncing from jobsite to jobsite still with the same company. How long do we wait to re-apply? We are looking to re-fi an 80/20 into 1 30 year fixed with some cash out to re-pay some debt. I was able to freeze our ARM for 5 years. It was supposed to adjust 8/1/08 but is frozen now...THANK GOD!
  11. marlin40


    DH's all re-appeared today all the way back to May, 2007
  12. marlin40


    DH went from 6 to 25 from yesterday to today..... FAKO was 607 yesterday....today 578...... WHOA!
  13. So, if they invoke FCRA, are we now at a dead end? No... they have no idea what is in the FCRA. It's just an excuse to not help. I am referring more to dealing with the CEO. Or an excuse from the CEO not to personally respond and pass it off to the credit department....

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