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willubmyknight

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About willubmyknight

  • Birthday 10/13/1979

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  • Location
    Cromwell, CT
  1. I have noticed that I have a couple of card accounts that are not reporting to any of the bureaus and they should be at this point. Bryant State Bank (Show CC), Reflex Card (Celtic Bank), and my Fingerhut account are some. How do I get them to report?
  2. It is definitely higher than I would have liked...but considering the only auto loan on my history was from less than a year ago with a current balance of $15K, and then another auto loan/personal loan that was just opened in March for $13K, and considering I have 1 baddie, 30% utilization, etc...I was happy to just get in the truck with nothing down - felt like a champ I set up weekly payments through SmartPaymentPlan to payoff more principal (even though it's a relatively small difference) and then I plan on refinancing in Oct/Nov when my final baddie falls off...my goal is 60 months at
  3. Hey Marv - sorry for the late response. I really wanted THAT particular truck...American Eagle FCU finally gave me a loan and I've been sorry ever since - the truck's a lemon. I've since buckled and bought a 2013 Xterra (brand new) for $30k. I had the original Chase loan ($15k) on my report AND the NEW American Eagle FCU loan on my report ($13k) and was still approved through Nissan Motor Credit Corp for the truck with $0 down. The APR is sky high at 6.99% but I'll see if I can get it refinanced when the Chase & AEFCU loans show as paid off. Thank you, from the bottom of my heart,
  4. Credit Application: Your Age? 34 Your Equifax Credit Score? 712 (USAA) Your Experian Credit Score? 687 (USAA) Your TransUnion Credit Score? 674 (USAA) How many years have you been on file with Equifax? 5 How many years have you been on file with Experian? 5 How many years have you been on file with TransUnion? 5 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? yes Will this open auto loan be a trade-in? No...totalled...will be completely paid off 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
  5. I think this may be for Staples (Personal Account). Out of the inquiries that have popped up and the places I've applied, I did not see a specific Staples inquiry, and "MWF Workplace" was the only unidentifiable pull...
  6. You rock!! Here's a cute "Doh!" moment... The letter they sent was definitely a settlement letter, but nonetheless, it got me a little nervous that this might "creep" back up - thus the long questions. After reading your response, I felt a little better and started researching CT case law re SOL, etc. Anywho...I let the letter lay on my desk for a couple weeks Until I received a phone call from them yesterday... I asked the operator whether or not Portfolio Recovery Associates, LLC were licensed to collect debt in CT (which they are not) - mainly because I wanted, for ONCE in my l
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