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Sol-BadGuy

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  1. I started the initial dispute using Why Chats program https://whychat.me/hipaadisp.html, so far I had Transunion delete their record from the CA however I did not receive a response from Experian and so far it's been about 42 days (I gave extra time for them to receive the letter etc). Is there a specific letter I should use to follow up since it has passed 30+ days with no response regarding verification?
  2. I've been looking at the Credit Pulls database and was wondering what are some of the better lenders that can get me in the 4% or lower ranger with a Fico 8 score of 716 my highest with Experian with no lates or collections on my report?
  3. Thanks, I'm still learning about auto loans and wanted to know whether you thought I would get a better rate through USAA/NFCU or applying directly with the captive lender (BMW Financial Services)? Is it any different than letting the dealer work with the captive lender?
  4. Your Age? 35 Your Equifax Credit Score? 680 Your Experian Credit Score? 730 Your TransUnion Credit Score? 699 How many years have you been on file with Equifax? 15 Yrs How many years have you been on file with Experian? 15 Yrs How many years have you been on file with TransUnion? 15 Yrs YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? N/A How many late pays within the last 12 months on the currently open loan? N/A How many late pays within the last 13-24 months on the currently open loan? N/A Your current open auto loan is financed with? N/A, Previously paid off USAA loan in full one year ago. 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) Previous auto loans never late on a payment (10) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 25% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 4 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? 1 yr (1st time home owner) Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? $1300 How long have you held your current job? 3 Years Your total provable monthly gross income is? $6500 Your provable monthly income is provable via what method? (i.e. computerized paycheck stub, or tax return) Federal Employee / Payment stubs / W2 Is there additional monthly income? 2nd Job What amount monthly? $800 Describe the source. Direct Deposit Is the additional monthly income provable? Pay Stub / W2 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? NO If yes, please very briefly describe. N/A 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) 7 (No late payments, No collections, 7 inquires last 2 years, Utilization around 25%, Student Loans) Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 (No late payments, No collections, 7 inquires last 2 years, Utilization around 25%, Student Loans) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 (No late payments, No collections, 7 inquires last 2 years, Utilization around 25%, Student Loans) New or Used vehicle you are considering: Please very briefly describe. BMW 750 2012
  5. Thanks, I have the green card but I don't have a copy of the dispute I sent to them (HD failure). Would I still be able to send information with the intent to sue since I have the green card with the signature from them? Also is there a sample letter that closely matches what I need to send?
  6. I had some old court record from a landlord that stated that I didn't pay a move out fee(Which I did). I went to the courthouse where the saferent report says the court record originated and the county clerk couldn't find any record of the case. I sent saferent a re-investigation form stating that there's not copy of the case at the courthouse and to delete the information off my saferent CCMRR and already have my green card. It's been 35 days now and there hasn't been a response, how should I go about this? Is Saferent liable to response within 30 days like the big three ex,eq and tu?
  7. So I've just recently pulled my credit report after about 7 years since I was in Germany for a good while and returned to the states in the past 2 years. I noticed that some of the information might be from my father such as discharged a bank account and unpaid utilitiy bills. Is it possible to have our information mixed up by mistake by the credit bureaus? I'm a Jr. so my full name is the same as my fathers. How should I go about disputing this information? Since I know I never signed for this should I dispute it all off or place a fraud alert?
  8. I currently have a Capitol One card but it's only slightly better than the Orchard Bank card. I'm considering opening a USAA card since I read that it's easier to get a card with a good limit with them.
  9. Hey Guys, I had an orchard bank card for around 2 years to help re-build my credit. Recently I got approved for a 3.5K NFCU card and would like to transfer the balance of the orchard bank card to the nfcu card and close out the account. I've read that closing out a credit card account can have a bad affect on your credit score, but I really want to get rid of the orchard bank card as it only has a 300 dollar balance, 18% interest and a yearly fee. Should I go ahead and transfer?
  10. I don't have any paperwork on it after 6 years so I will have to go to the courthouse and see if it even still exist there. According to the saferent report it was dismissed/terminated so that basically means that they either didn't show up or decided not to go through with it right? Should I write a personal letter or go to the apartment complex and try to get them to do it?
  11. Hey creditboards, I've been lurking on here for a few months and I found a great wealth of information on credit repair. I decided to start with my saferent report because I planed on renting at a townhome apartment community but was turned down due to a report in saferent. I have a entry on my safrerent report in which one of my old apartment community from around 6 years ago reported that they had to replace the front door, however the court case was dismissed/terminated. I'm going to go check to see if there is a record of the case at the courts but I doubt there will be one. Would I be able to remove this entry with a simple dispute?

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