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About RSLT1

  • Birthday 04/10/1978

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  1. Cool. Just for future knowledge what is vantage scoring? And thanks
  2. APPROVING BANK:Chrysler Financial BUREAU PULLED:TU CREDIT SCORE:685(auto enhanced fico 4) Regular Fico is 595 CUSTOMER STATE OF RESIDENCE:IL Chicago NEW/USED:New YEAR OF VEHICLE:2016 MAKE:Ram Truck MODEL: 1500 Crew Cab 4x4 Fully Loaded MILEAGE:64 RETAIL/LEASE:Retai l AMOUNT OF LOAN:$List Price 50275.00 My Price 42956.00 TERM CONTRACTED:72 Months APR/LEASE RATE:10.39% MONTHLY PAYMENT:$785 ANNUAL INCOME:65k didn't ask for proof DEBT TO INCOME RATIO:18% Misc info I want to be detailed here because I think it will help those who were in my situation. Mid October I was denied for 2 used auto loans, I was littered with baddies on my reports, no revolving credit, I decided it was time for change. Last year this time I had no choice but to get into a loan at 25% on a 2009 Caddy CTS AT 450.00 a month. I had no issue paying it, I just wanted a full year of good payments. Well only after 2 months of cleaning up of being in the low to somewhat mid 500s forever.. Got 8 of 10 baddies paid and deleted. The other 2 went to zero balance. I opened 4 secured credit cards mid October and have only done the 2 dollar method on them. Scored bumped to the high 500s and since it seemed everyone had good luck with Dodge and it was the end of the year I was ready to give it a wing with 5k cash down. I was going to be about 3k negative on my caddy and was scared and thought that would be the last nail in the coffin. I have been monitoring every score like a nut every day. I told them I only wanted to try for ally and capital one because it seemed people on here had good luck. My regular ficos were 596 TU, 597 EX and 607 EQ which was a boost from mid October. So my autos 8s were TU 616, EX 598 and EQ 622. So I thought there was hope and I told the guy that I only wanted to try Ally and Capital One. Well I get the alerts when they pulled the inquiry and two hours go by with nothing. Then I get an alert for Chrysler Finacial and Im like **bleep**. I call the guy, he transfers me to the Finance Dept and I said I specifially asked not to do Chrylser. Then he pauses and says "Well they were the only ones who appoved you"......"Both others only would finance 25k", then I said well my bad, I feel like a salamander. I asked the APR and he said 10% and they even approved it with out a trade in. I wasnt even going to argue as my last car I still have Im paying 25% interest and about to get out of. I got a brand new Crew Cab Fully Loaded Sport Ram 4x4 for 42K out the door, MSRP was 51k. I want to thank everyone here and if there is hope for me then def hope for others. So now I have talked with my parents and I'm gonna get them to take the caddy and finance it on their end. It really is a great car, I took care of it and it's perfect for them. If I have to pay something out of my pocket I'm fine with that to help that out. They have done so much for me when I was younger that this is the least I could do. Once again. THANK YOU TOO EVERYONE!!!
  3. That marv gets his own forum or sticky thread for apps. Im just flipping through old pages and its all apps. I think we lose a lot of good material getting stuck in between. Just a suggestion
  4. Meaning 4K and there has to be no negative eqautiy?
  5. I do very well in my new business now, problem is its cash and no its not illegal lol. In the past 2 months I have cleaned up a lot. Had over 10 collections on all bureaus which 8 of them were paid and deleted and 2 are showing paid now just zero balances(Working on them to see if I can get deleted fully) 2 months ago my buddy at bmw financial got me approved for a 20k loan with 5K down also trading in a 09 cts with 2500 negative. I got a loan for 15k last year in december from credit acceptance at 25% rate. Yes I know, but I had to pay the penalty for my stupid moves. I have had no issue with them, made all my payments on time. One payment didnt go through because I entered the wrong checking info and they called 2 weeks later asking about it. I explained it must of been a mistake and cleared it up right there with no issue. Im in the market for a newer truck. I have since got 4 secured cards also. All the F150s Im looking at are 30K plus. I would love to do a new silverado but dont know if I would get financed for 40K. I have no problems making up to a 800 payment a month now. My Fico auto 8s were in the beginning TU603 EQ 586 EX589 Credit Application: Your Age?37 (midwest) Chicago Your Equifax Credit Score? Regular Fico 607 Auto 8 622 Auto 5 648 Your Experian Credit Score? Regular 591 Auto 8 596 Auto 2 656 Your TransUnion Credit Score? Regular 595 Auto 8 622 Auto 4 688 How many years have you been on file with Equifax? 18 How many years have you been on file with Experian? 18 How many years have you been on file with TransUnion? 18 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes 09 CTS AWD I have made payments for 1 year at a whopping 25% interest at 450.00 a month. I owe 12100 on it. Never missed a payment. Will this open auto loan be a trade-in? yes How many late pays within the last 12 months on the currently open loan?None How many late pays within the last 13-24 months on the currently open loan? none Your current open auto loan is financed with? American Credit Acceptance Your current open auto loan payment is? 450.00 Estimated amount you may be upside down in this vehicle? 2500 to 3000 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? 4 Total percentage utilized overall? 5% How many of your revolving accounts are store cards?0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 0 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 4 I also have a student loan that has been paid since 2003. I have 2300 left on that loan. YOUR PERSONAL INFORMATION How long at your current residence? 2 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent 1400 Your Monthly Rent or Mortgage payment? $1400 How long have you held your current job? 3 years I own but I put down that Im manager, I was told its better to say that. Your total provable monthly gross income is? 6500.00 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Cant prove income, business is still new, will be taking a "Loss" for the next 2 years and get a lot of cash as payment. Is there additional monthly income? No What amount monthly? N/A Describe the source. Is the additional monthly income provable? N/A YOUR DOWNPAYMENT Please tell me your exact down payment in cash? $3000 Does any credit repository contain any Public Record? Yes Experian 3K tax lein from 2008 not on the other 2. If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. 2 collections at zero balance now. one was medical the other for a garabge service, both paid and said they would delete. Its only been one month so Im not sure it has had time to drop off on TU since it did on the others. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) few years ago not good, now 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) same as above 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) same as above
  6. I have a us bank and first national secured card so what you guys think?
  7. Well I have completely cleaned my credit up this month and my score has been changing daily. I had a 25 point boost yesterday from a student loan getting updated to missing a couple payments years ago to paid on time. I've only got my 4 new secured cards last month and december was the first month they reported. Just curious if I will see a good bump in the first of the month or it will be what it is right now? I have been checking every day and getting new reports too see what gets removed and cleaned up. Also it will report as a full year of auto payments. Trying to purchase a new car so Im just curious if I should wait or just do it before the end of the month. Thanks
  8. Well I got a call on my cell which is used for my business and the person asked for my name, instantly started asking for info, I said that I am the boss and that he(myself) wasnt there. They said that they gather info for banks and insurance companies. I found the website http://verifactsinc.com/ She said that they were not a collection business either. She wouldnt give anymore info out either since i couldnt verify anything. Well they have a live chat and I just started asking questions and heres what they put. salamanders just got caught up and didnt even know it. Verifacts Live Chat Agent: Hello, is there anything I can help you with today? Me: yes hello Verifacts Live Chat Agent: How can I help you? Me: As a Business, how can you help us? Verifacts Live Chat Agent: I'm not sure what you are asking? Me: We are a local bank, what is your main services you offer to us Verifacts Live Chat Agent: We search for new contact information for consumers. Me: Ok would this benefit us for verifying information for loans or when it comes to default and collections? Verifacts Live Chat Agent: Default loans and collections Me: Ok, so your services are used more for the collection area? Verifacts Live Chat Agent: yes Me: ok thank you. Verifacts Live Chat Agent: you're welcome. Please let me know if I can help answer any other questions.

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