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californiadreamin

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  1. Hello, My BK was discharged in February, 2019. That same month I opened up a share secured loan and secured credit card from my credit union. In addition, I was also approved for a 1k loan through my credit union. I included my old vehicle in my BK as a drive through (drive and pay) and it is showing as a derogatory account with a zero balance. The car was subsequently bought back as a lemon law buyback and the loan was paid off (was financed through Chase). My fico scores (provided free to me through my various financial institutions are: Equifax 611 (DCU - Unsure which Fico scoring model) Equifax 671 (Penfed - Fico 9) Transunion 702 (SDFCU - Maybe be FAKO as this is same as Credit Karma) I attempted to get a pre-approval through Carvana and they use Experian soft pull and they gave me an interest rate of 14.02%. I attempted to use the Capital One pre-qualifier and they did not approve me (I included Cap 1 CC's during BK). I have the 3 paid and closed auto loans reporting - Ford Motor Credit (2 year lease - perfect payment history) Chrysler Captial (1 month - refinanced) Penfed CU ( 16 months - perfect payment history - sold to a family member for their child to take to college) There is also the Chase Auto account that is showing as closed/derogatory with a zero balance from the BK. I guess my question is how soon will I be able to be approved for a decent interest rate (under 5%)? Does Cap1 Auto normally blacklist if they took a loss on credit cards? Do you think I have any chance with Chase since they were paid off in full? What about with AHF or Toyota Motors Finance? I am interested in either a 2020 Outback Touring (Chase) purchase, CRV (American Honda Finance) lease or RAV4 (Toyota Motors Finance) lease. Thank you in advance for all of your of your help and advice.
  2. Can you give some insight into how you were able to place a security freeze? I have been searching their website and could not figure it out. I also called the number and there was no option for it. Thank you.
  3. Ding - I got assistance on this board regarding an attorney w I had the same thing happen to me regarding Dynamic Recovery. There is a law firm that I was referred to from another member of this board who agreed to help me. They took on my case and a few months later we reached a settlement. PM me if you are interested in their info. BTW, there was no cost to me..they likely negotiated their fees in the settlement offer.
  4. I logged into MPM this morning and noticed my Equifax score dropped 40+ points. I also noticed that my inquires now date back two years to 2013. As of yesterday they only went back to 2014. Did anyone else have this happen to them overnight?
  5. I logged into MPM this morning and noticed my Equifax score dropped 40+ points. I also noticed that my inquires now date back two years to 2013. As of yesterday they only went back to 2014. Did anyone else have this happen to them overnight?
  6. I truly appreciate the advice. It's only $500.00 and I am currently not needed the cash, so I will work on getting more prime cards. Since my other limits are all between 1,000 - 2,000, do you think that the 500.00 limit would hurt my chances in getting higher limits or is it a moot point since my largest limit is $2,000?
  7. I have a BofA Visa, Barclays MC, Capital One Quicksilver One MC and a Discover IT. I also have a couple of store cards as well.
  8. I got a SDFCU secured card at the end of June 2013. Fast forward to now and I called in to see about getting it unsecured. The told me that I had to apply for a regular credit card in order to keep the reporting history. Then they denied me!!!. Since 2013, I have obtained Prime cards, a car lease and a home loan. I am going to close the account and leave their CU, but I wanted to get some advice as to when I should close the card for maximum FICO effect. I read on this board that 2 years is good, but does it matter if I close it on June 11, 2015 and I opened it on June 23, 2013? I really appreciate all of the help that this board has given me to rebuild my credit...it's been a rocky road, but I made it!
  9. I was approved for the Barnes & Noble Mastercard in 2014 after having multiple Barclay charge-off's in 2008. Maybe it's a 6 year blacklist? I haven't app'd for another of their products since.

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