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antifeik

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  1. Thanks in advance. Credit Application: Your Age:38 Your Equifax Credit Score: 718 Your Experian Credit Score: 719 Your TransUnion Credit Score: 713 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? 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? 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? Chase Your current open auto loan payment is? 371 Estimated amount you may be upside down in this vehicle? 0 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? 5 Total percentage utilized overall? 21% How many of your revolving accounts are store cards? 2 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) 0 YOUR PERSONAL INFORMATION How long at your current residence? 2 Years Do you Rent or have a Mortgage, or Live w/Relative or Other? I have a mortgage Your Monthly Rent or Mortgage payment? $1728 How long have you held your current job? 10 Years Your total provable monthly gross income is? $6,236 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Computerized paycheck stub. Is there additional monthly income? What amount monthly? N/A Describe the source. Is the additional monthly income provable? 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.) $500 Does any credit repository contain any Public Record? N/A If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. An old paid Collection (like 5 years old) appears in Experian, but not in Equifax nor Transunion, don't know why. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 New or Used vehicle you are considering: Please very briefly describe. New vehicle $36k loan amount.
  2. Bummer, i just called and they wanted to do a hard pull for a wally world card credit increase.
  3. Utilization is not the key, sorry, mine went down from 642 to 631 even thou my utilization went to %7. My CK is 698!
  4. My Wally World FICO score hasn't update yet, for me used to be on the 12th of the months, is it running late? Am I the only one?
  5. Heck! I had 666 on TU from myfico, 628 from TU08 wally world. When i went to my loan officer he pulled 574!! Needless to say I almost pass out right there, Oh well, back to work on the rebuilding. Just my 2 cents.
  6. Hi, i DV'ed this JDB and they report the account as settled without my acknowledgment. Can they do that? I mean, this is a debt that was purchased by them and i didn't know, i found out that they were just a JDB, and after paying them every month and bring the balance all the way down to $279 from $1156,i realized that they prolly have not even have the right to collect on this debt. So, so i DV'ed them and that is what they did, i know that prolly know i wouldn't have to pay the remaining $279, i want them to remove the entry not to report it like that. I just got a potential negative alert from Usaa cms.
  7. This is basically a waiting game, i know how you feel, but as long as you have it in writing you'll be alright.
  8. Update, mine was just updated it! 669, up 27! lol. By the way how accurate are they? I read somewhere that CS is pretty close to the real deal.How truth is that?
  9. I just called them and gave some feedback.I told them that I will cancel it on that date.They appreciate the feedback,so keep calling to see if they reconsider.
  10. Like everything good,it will be over as soon as a human realizes that it's being useful to somebody, I'm canceling that joint! Ugh! What other CM offer daily pulls?

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