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therookieid

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  1. Agreed, I'm still lost. The poisoning stopped at the bankruptcy filing and, unfortunately, I've been unable to remove the inqs. The permissable purpose was that they were "looking for me" although they were in contact with me by phone, fax, and mail at work and home on a full scale harassment basis. CapOne was another one of my denials. I've had a card with them for 8 months and always pay early. Oddly, my SC auto score jumped up today from 583 to 643 with no new changes. Not sure what makes today so magical?!?
  2. DCU was one of my denials. It's also where my downpayment for the vehicle has been parked for a few months. And the reason that I haven't apped a dealership was to walk, in financing in hand, in a better bargaining position. But...it looks like I may have to suck it up and take some of this 13% dealer financing.
  3. Thanks for the replies. I'm not sure how close SmartCredit's auto score is to FICO's auto-enhanced score but my SC auto score is considerably lower at 583. However, when I receive the adverse action letters, they always list scores that match my FICOs in the 640 - 680 range.
  4. I've been lurking on the forums for a little while now and thanks to the wealth of knowledge available here, I've been able to re-establish positive credit. I think I've gotten a decent grasp on basic credit issues as it relates to credit cards and mortgages, but I cannot for the life of me understand automotive financing. It's the last frontier and I'm unable to conquer it. Here's the story... One year ago I filed Chapter 7. Since then I've been able to remove most baddies leaving only 2 paid state tax liens from 2007-08 and one IIB deposit account (currently showing $0 - discharge balanc
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