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Stormandshadow

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  1. Thanks for the replies. Yes, I have hard copy of the report - which shows that the bank loan info, which was originally on report, is now off. Spoke to bank this a.m, they had already contacted the 'processing company" - and doing everything they can to fix as soon as possible. Will follow up.
  2. Of course I did not rely on Credit Karma! When I saw a 70 pt drop and noticed that the loan was NOT showing on the report, I immediately called Equifax directly. Equifax, not CK, provided information.
  3. In late May, I received a $500 secured loan from my credit union - which showed on reports and raised scores by mid June. I have already made first payment, and second payment coming up. My best score was EQ, 658. Over this past weekend, I opened Cap One Secured MC, $49 deposit, $200 line. I am awaiting card. So Far, so good. This afternoon, I decided to review my EQ score and report...low and behold, my score went down a whopping 70 points...and.....my bank loan entry was gone!!!! Report shows only one open, in good standing, account! Should have shown two (and soon three, o
  4. Hi all. I applied for the unsecured Discover IT - as I read that they pulled Equifax (my highest at 658). Foolish mistake on my part -- because I would have been okay with secured, although I would not choose Discover for secured. Of course, they pulled Experian (my worst at 545) . I am down to two, albeit, one big baddie - a 2016 charge off ($3600) by GM, but have opened only one new credit line - in years -- so really need to get that going as well. Up until around three months ago, I had no inquiries on my reports. I made the mistake of going to an auto lease broker - didn't rea
  5. Thanks, suspected that was the case. I also realize that a car dealer can promise anything and then change the story when he runs your score. Yesterday rec'd approval from Cap One secured MC at 49.00 deposit for 200 line (per my last post yesterday) Is it too soon to apply for one more credit card - from another bank or company?
  6. Okay guys, I'm in!!! Instant approval Cap One Platinum , and only $49.00 deposit required for a $200 line for starters. I can deposit more (over a few weeks) to increase line - up to $1000, (but need to re-check that). In a way almost like a partialyl secured card. Now I'm wondering....should I do another? Thank you ...thank you...thank you!
  7. Many thanks to all, really appreciate the great feedback. I will follow up and keep you posted.
  8. Thanks for the feedback . You are correct about Discover. I know because when I asked what was pulled - the rep said Exp,but added that the CRA pulled is random. Will most creditors ignore frozen reports and simply rely on the one that is active? Will they tell you that they must have info from all three ? When I recently told a Hyundai sale rep that my EQ was around 648 (or 658} he offered a 0$ down lease and $349 monthly payment on a new (fully loaded) Tuscon. Of course, I didn't let him run my credit because wasn't sure what he would pull. I later read that Hyundai go
  9. Hi all. I applied for the unsecured Discover IT - as I read that they pulled Equifax (my highest at 658). Foolish mistake on my part -- because I would have been okay with secured, although I would not choose Discover for secured. Of course, they pulled Experian (my worst at 545) . I am down to two, albeit, one big baddie - a 2016 charge off ($3600) by GM, but have opened only one new credit line - in years -- so really need to get that going as well. Up until around three months ago, I had no inquiries on my reports. I made the mistake of going to an auto lease broker - didn't rea
  10. Apologies. I should have limited to the complaint. Where would I post inquiry re when to apply?
  11. I was under the impression that Discover relies on Equifax ,(658) so I applied online for the IT unsecured and was immediately rejected. When I inquired about CRA, was told Experian , my worst (545) due to 2016 charge off. My fault, of course, should not have assumed that info out there is that reliable. Also makes me wonder if they communicate false info to these websites. In the mean time, I now have that inquiry on my report. The irony is, I would have been okay with the secured card. Now I am reluctant to apply for any card -- and I really need more lines as I am down to two baddies
  12. Of course there is much more to the story -- not first repo, other debt ( CC not too large), but there is student loan currently in deferment and tax lien . I have atty working on taxes. I am aware that student loan and taxes don't go away. Thanks, will start thread and post under bankruptcy as well.
  13. Hi all. My car was repo'd and I must pay off the entire balance ($4500) which I do not think I can do by the deadline . I was able to negotiate a 30 day term -- (tried for 60 day) but it still leaves me one paycheck short -- and the lender refused to extend deadline for the additional two weeks . Won't bore you with all of the details . Here's my question: Since my credit is already shot - can't get much worse, would it make sense to file for bankruptcy (chptr?) and try to save the car? Truth is - I would welcome a fresh start (although I still have tax situation - working out v
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