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ScrodMan

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  1. Can one file a dispute to have something add back in? It was a refi from Reg Acc to HSBC in Jan/Feb 2006.
  2. ok, good to know. Letters went out yesterday. Still gone on EXP but still there on EQ and TU
  3. Thanks, Marv. Looks like the refi is going to work this time for us so we should be looking for new(er) vehicle in about 45-60 days!
  4. Credit Application: Your Age? 45 Your Equifax Credit Score? 643 Your Experian Credit Score? 613 Your TransUnion Credit Score? 717 How many years have you been on file with Equifax? 20+ years How many years have you been on file with Experian? 20+ years How many years have you been on file with TransUnion? 20+ years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? No 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 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) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 13 Total percentage utilized overall? 63% (EQ) / 57% (TU) TU counts a PLOC Visa as a LOC. DTI = ~52%. 45% after refi. 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) 7 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? Mortgage Your Monthly Rent or Mortgage payment? $2,040 ($1,838 after escrow adjustment complete next summer). $1,575 if refi goes thru in next month How long have you held your current job? 3 years Your total provable monthly gross income is? $6,895 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paycheck stubs Is there additional monthly income? What amount monthly? N/A Describe the source. Is the additional monthly income provable? YOUR DOWNPAYMENT Please tell me your exact down payment in cash? $2,000 Does any credit repository contain any Public Record? Experian shows BK from Aug 2003 If yes, please very briefly describe. 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) 8 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) 10 New or Used vehicle you are considering: Please very briefly describe. 2010 or 2011 Honday Odyssey Previous auto loan from 1/2006 (HSBC/Santander) still showing on reports. Previous auto loan from Regional Acceptance still showing on TU/EX but not on EQ (not sure why, loan was closed in 2006)
  5. not in my case. I saw the tri-merge report they pulled and there was no mention of a BK on Equifax or TransUnion. Just the one showing on Experian. But, we went USDA so it wouldnt have matter anyway
  6. stuck at the same number, 613, for 5 months in a row. Mine's all due to utilization and it won't be paid down to a decent level for another 18-24 months (unless I hit PowerBall or find a briefcase full of cash somewhere!)
  7. I'll be adding my daughter to a card in a few months when she hits 18. wonder if I should start with my stepchildren (as young as 6)?
  8. Afternoon. I'm starting some credit repair for my wife and sent a standard DV to a particular CA over a rather recent cell phone collection account. A couple of days after we got the green card back, I noticed the CA dropped off of her Experian report completely and it's been gone for 3 days now. It's still showing on the other two reports. I sent a standard dispute to all three credit bureaus after we got the green card so that means Experian will be investigating an account that doesn't exist? Does that send up any red flags with the bureaus? Would it maybe reinsert?

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