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mother.jeni

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  1. Yep, Chase Amazon Card for 4K and still 4K. No change :-)
  2. BofA CLI from 3K to 5K online approval via Luv Button. New Account App: Chase Amazon.com Visa Signature $4K online approval during checkout of Amazon Cart. Got $80 OFF purchase. Very Happy. Also tried AMEX CLI after BofA, but did not know about them using last soft pull (before I paid off my other balances) denied
  3. Long winded post, but bare with me You could try financing through where you find the car. DH had no credit in June of last year except one car loan from '06 paid off '10 we purchased an RV-Travel Trailer, not a Motorhome. We got financing through the dealer and were approved 10K @9% thru Park National. And just last month we were approved for a $15K Auto Loan thru BofA, but the car dealership was not a "preferred" dealership with them, so we would have had to wait for all paperwork to make its way between the 2. DH decided to have the dealers in house finance guy see if he could match the rate and terms of BofA approval, and they did. We were able to drive away that evening with our new to us Tahoe. *The finance officers at the dealerships have relationships with the banks they finance through, and sometimes that can help. Backstory in when we got our first car we went thru a sub-prime lender -wait for it... Consumer Portfolio Services *cold chill... with a 21% APR. I think I just vomited in my mouth a little...Moving on -We were sooooo happy to pay them off -it was like a huge weight lifted off our shoulders. (we had bad credit way back when and it hurt) My advice, as it is, ( DH and I began rebuilding his credit in '08 with the help of a nice CHASE bank loan officer and this website) is to get your FICO scores and Credit Bureau Reports from Equifax Experian and TransUnion. See what is on there and research the heck out of this board; dispute, send letters, clean up all you can; utilize the credit pulls database. There is EVEN a lovely APPROVAL thread for CAR LOANS -that I was able to post to last month. Where members post terms, lenders, and info on their credit situation at the time of approval. This might give you some idea of what you can get. Here is the link: https://creditboards.com/forums/index.php?showtopic=313924&hl= I am still relatively new here, even now I am still learning. The people on these boards are just amazing. You can do it. It may not be quick, but it can happen. Best of Luck! PS if you've already done that as you say you have been rebuilding with the help of the board, don't be afraid to tell CB about your situation. I have found that the best advice comes when they know about your credit and circumstances. Again, I wish you luck. -updated to add link to Auto Loan APPROVALS ;0)
  4. Chase has also been known to issue temporary limits on this card on approval, so it may arrive with a higher starting limit. Don't want to get your hopes up but it happened that way on DWs account. You can always call and find out too. Congrats... I hope not... Already have Chase Freedom. The minute approved for Chase Amazon Card, it showed up on his online account with Chase and 4K CL. I can't see them changing it now. I guess we'll just have to wait and see. Thanks for the heads up though
  5. UPDATE: Hubby wanted Fender Flares for our "new to us" Tahoe and a brush guard or whatever to really deck it out. Very sharp. Auto Loan still has not showed on any CBRs. When purchasing accessories on AMAZON a few days ago, the $80 OFF popped up again and my DH went for it figuring he'd get rejected. After 10 seconds it popped up approved for 4K. Hey, we'll take it. Really surprising as Chase has been stingy about CLI of Freedom we have now. Now we have a 4K card with them too... Credit is weird if you ask me... But it is nice to be able to get it
  6. I was in the same boat (I usually post about my DH in first person.-Easier than saying DH or my husband every time I post, etc... ) Anyway, He has the good credit, I had none. But I take care of our Credit as he works a lot as a Production Manager.) I couldn't bring myself to pay for my Ficos, so I went with CreditKarma and my scores (Vantage 3.0) were TU: 652 EQ: 578 -so I assume my Ficos were lower. I did pay $1 for EXP credit track intro, and get this. They couldn't even give me a credit score! That was on 2/18/2016. I pre-qualled Cap One sight and they suggested Platinum and QS (QS has an AF=Annual Fee, but I personally am OK with it for now, just to get some CC's on their to start AAofA=Average age of accounts. I read that if you apply for a card through Cap 1 always app 2 cards cause it counts as 1 hard inquiry (which it did) and I got approved instant online for both. 300 limit on Platinum, and not sure yet on the QS. They pulled all 3 bureaus. Most here will tell you not to get an AF card, and that's certainly true, so you will have to decide for yourself. I just knew I did not qualify for any other Cap 1 cards. Figured I could get Platinum and maybe QS, but if not QS, then no big. Just giving you some food for thought. Good Luck!
  7. Hmm What is the purpose of waiting to get the card? By then the loan will report. Does Synchrony not like recent inquiries? Yeah, that was my fear as well. Once the loan shows, it will drop scores at least 20 points, probably 30 or so. I guess it can't hurt too much to apply now. I just don't want to hurt my chances to apply later, like next year. Never heard of Synchrony until researching Amazon Card. Don't know how they are about re-applying... Wondering if they will offer same perks for sign-up if already tried. Ya know?
  8. No other cards. Done for now. Really want to let the accounts age, and get the balances down on the Installment Loans a little more. Only thing coming up is CLI again with BofA in 4-6 months if conditions are right. They have been awesome. 2 CLI's since opening 06/2015. And they were who originally Approved the Auto Loan with good APR IMO. Expected at least 7%, heck our RV loan last year was for 9% and Fico was almost 100 points higher Just interested in AMAZON since we buy there ALOT. Coul dwait till around Christmas though if they offer something better then.?.
  9. Would still like to get AMAZON card, but not sure if I should now. Had multiple hits on Equifax, some on Experian too. Score only went down a few points so far, since we were "shopping for best rate" but when the loan gets posted, I expect a huge drop to credit score. Should I go for it now, or wait for a while? Advice please. I'm not getting Chase. Have them and they are pain in the butt and stingy on CLI. -Think I have 6-7 inquiries on EQ(3 new from loan) and 3 on TU (2 new -1 from loan), and 5 on EXP (1 new from loan) other inquiries were all 6/2015 with like one 10/2015 on EXP *edited to add in inquiries. AAOA pretty new at less than 2 years.
  10. OK, so I have not yet app'd for the AMAZON yet. And I am glad not, because we just got an AUTO LOAN! Super excited. Posted in TODAYS APPROVALS -Auto Finance Section: https://creditboards.com/forums/index.php?showtopic=313924&p=5430677 Super excited. Been needing to buy bigger V8 Vehicle to pull our Camper. Could hardly believe it when approved. This site has been such a BLESSING! Love you guys (in a purely platonic way of course)
  11. APPROVING BANK: Bank of America BUREAU PULLED: Equifax CREDIT SCORE 669 CUSTOMER STATE OF RESIDENCE: Ohio NEW/USED Used YEAR OF VEHICLE 2007 MILEAGE 120K RETAIL/LEASE Retail AMOUNT OF LOAN $15,000 ADVANCE PERCENTAGE 125% (not sure what this means, but it said I could finance 145% of car... or it could have been 125%) TERM CONTRACTED 72 mo or 60 mo APR/LEASE RATE 4.79 or 4.04% Went with 72 month MONTHLY PAYMENT $275 MISCELLANEOUS COMMENTARY: Thought FICO was higher, CK FAKO for EQ was (before hard inquiries) 724 and TU FAKO 734 while Experian FICO08 708, was hoping they'd pull Exp. but still very happy with this loan. We went to dealer and they would not come down on price of vehicle, (we needed $15,000 out the door ,ie. all fees included) They offered to see if they could get better rate through their bank (United Federal Credit Union) They MATCHED the BofA loan, and rolled price back to $15,000 and we drove our "new to us" baby home this evening! I am now a NEW member of United Federal Credit Union, another financial institution I think will be good to have a good relationship with. (The dealership and UFCU also pulled EQ) Bank of America ROCKS though. They have been cool about giving good limit on CC and CLI's every 3-4 months. Once again I am Very Happy with this Loan. 8 years ago I couldn't get a personal loan or a credit card, I did get a 19% car loan (highway robbery, but I needed a car) that I was finally able to pay off in 2010. Since 2012 I now have/have had a Mortgage, Personal Loan, RV loan, 3 credit cards including AMEX (never dreamed I'd have that one) and now a Car Loan. Bless you CreditBoards!!! Just for information sake, we were told by BofA could not finance 11 year or older car, and had to be under 125K mileage. Even our car guy said he wasn't sure we could get loan with 120K mi. *edited to fix text color alot
  12. I am trying to help my sister and her husband with some medical collections. I have posted questions, and gotten good advice on how do go about helping them help themselves. I am trying to get her, or him, to create an account here on the CreditBoards and ask questions themselves.... But until then. I was just wondering if you have or have thought about having a List of known Junk Debt Buyers, or if not: At least a place where people can post first date of collections; collectors name, and whether they were successful in removal? Or would that just be too confusing? I know from reading the tons of posts about medical collections that there are lots of different collections out there. But usually the older they are, the more likely it is a JDB trying to collect..?? Anyway, just a thought. So glad this site is here. Thanks!
  13. As stated above they're not hit-or-miss. They're Vantagescores. You can't use them to determine your scores generated by other models. They're only relevant to creditors that use a TU or EQ Vantagescore 3.0. AFAIK they're not used for the Amazon Store Card. It's never just about score but you can refer to the Credit Pulls Database. There's a link in the blue bar near the top of every page on this site. Don't conflate money and credit. They're not the same thing. Money can help but it does not guarantee good credit. There are plenty with money and poor credit. There are plenty with not much money and good credit. And other variations. You are right, I did not state that well. I understand they are not the same thing. From my own experience and from others on this board , as well as life in general; It seems wrong to me to have a person who has paid cash their whole life, no matter their situation, have to pay an outrageous APR on things like a loan and or credit card just because they have never used credit prior(borrowed money they don't have); and on the reverse even: gotten credit-borrowed cause they really needed it, but couldn't pay, or carries a balance, and still has to pay more because of that... I grew up in the 80's-90's when things were inflated and then crashed and everybody was hurt. So I never wanted to have anything to do with credit. I used to think you only got it if you needed it, and it was better if you didn't cause when you used it, you ended up paying more. After finding this sight about 7 years ago, though I didn't actually become a member until 2012, I began to understand that you can get it (borrow many you DO have), and only use it if you can PIF, and that was a GREAT KNOWLEDGE to me, and is why my husband and I don't have to stress about money quite so much. So I didn't mean to offend anyone, it was just my "sight" that was scewed. But thanks to every on this sight, my opinion is slowly changing. Thank you. Again, didn't mean to offend.
  14. Ok. Wow. Thanks for pointing out the multiple Amazon cards, I had no idea. I have a mortgage since 2012, a car loan from 2006 paid off in 2010. A personal loan from Nov. 2015 small-2K And 3 tl's from June 2015 (that was my firs app spree) 2 are $0 balance and another has balance. UTL is 15%, but got a CLI on one card (one with balance) but not showing yet, and probably won't until first week in March, should take UTL to under 10%. Current CLs are 2K, 1K, 3K-increased to 5K. By "hit or miss" I only meant that sometimes (certain situations, etc...) the Vantage and FICO are close, and in others; way way off (like 100 points from what I have read on these boards) Thanks again soooo much for your insight.
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