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  1. Hello all: I found myself in a bad situation a few years back and ended up defaulting and not being able to pay off my creditors. I have two judgments that have popped up on me and I am now in an agreement with (WINN AND ASSOCIATES AND MIDLAND) to payoff. ($1900 and $1140). I want to get into a mortgage in a few years and know these need to be paid off and/or settled. Can you share your advice with me on the best action/plan that I should take? Midland: Synchrony (gas card) $961 (will settle for $577) Synchrony (Sams club) $734 (will settle for $440) Portfolio Accounts: $1579 (no offer online to settle). Last payment 01/25/17 (opened 12/13) $1537 (will accept $1225) (opened 06/12) $2287 (indicates that they will not sue for this account - don't know that this means and if I should leave it be - anyone know?) $731 last payment 07/06/2016 (opened 07/12) $892 last payment 10/10/16 ( opened03/18/15) $4095 Synchrony bank - this one says that it is sitting with a lawyer - I am assuming they intend to sue and I have no information on last date paid, etc. - what advice do you have? $955 - last payment 07/12/2016 (06/12 - opening date) NFCU: 3 accounts - currently have offers with them - does anyone know if they will come after me? They are offering 30% of the balance on these to settle. I would like on advice on the action(s) that I would take. I really need to improve my score and get these off or at least paid and Settled. I am in California. Thank you
  2. 681 -> 670. Utilization, new account, inquiries. ugh
  3. I was in Italy last month and used my BofA bancard (atm) and had no problem; used it as credit, too. No issues. Also used the NFCU credit card without chip with no issues. Came home and this week, I started receiving updates to cards - getting the chip'd cards. Mine worked at the train station and local markets/stores.
  4. I'm in Sacramento, too! Depending on where you want to live, house prices can be high!
  5. Rough life over there BW
  6. Well Put...can also be compared to as an addiction to crack "I need that fix"....
  7. Credit Application: Your Age? 37 Your Equifax Credit Score? 682 Your Experian Credit Score? 635 Your TransUnion Credit Score? 682 How many years have you been on file with Equifax? 20 yrs How many years have you been on file with Experian? 20 yrs How many years have you been on file with TransUnion? 20 yrs 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? None How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? Wells Fargo Dealer Services Your current open auto loan payment is? $505 Estimated amount you may be upside down in this vehicle? $3200 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 14 Total percentage utilized overall? 60% How many of your revolving accounts are store cards? 6 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 4 YOUR PERSONAL INFORMATION How long at your current residence? 4 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $500 How long have you held your current job? 8 yrs Your total provable monthly gross income is? $7300 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized paystubs Is there additional monthly income? What amount monthly? No Describe the source. NA Is the additional monthly income provable? NA YOUR DOWNPAYMENT Please tell me your exact down payment in cash? $1500 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Bankruptcy - August 2010 Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. Medical collection (IIB, $321) Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 4-5 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 6-7 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 4-5 New or Used vehicle you are considering: Please very briefly describe: Lexus 2010, 2011, 2012 IS250/350
  8. I did a dispute online and they removed 3 of them that wouldn't be obsolete until next year (April, June, July). I guess I will consider myself lucky.
  9. Thanks Brian. The 205k was the amount I was approved for, but, not really enough for the area I wish to be in, unless, I buy foreclosure/short sale. I started looking at the 203k and 203B options. Maybe I will ask my LO. I'm afraid that might be better at this point, because I will need a diamond in the rough. That or use all my savings and pay off my debt. lol.

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