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alivebytime

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  1. Thanks Marv. I’ll let you know how it goes. Sent from my iPhone using Tapatalk Pro
  2. Thanks Marv. I’ll let you know how it goes. Sent from my iPhone using Tapatalk Pro
  3. SAHM. I just talked to a finance manager at Toyota. He seems to think the rental income on our joint tax return can count as my income. $24k a year. My husband puts $1200 a month into my checking account consistently every month, would that count as “other income” Sent from my iPhone using Tapatalk Pro
  4. Husband wouldn’t be co signing and it’s his BK. Does that make a difference ? Sent from my iPhone using Tapatalk Pro
  5. I don’t have a great answer for that. When I sell the car I’m going to pay the difference off and be done with it. When we purchased it 2 years ago I didn’t put anything down. It was a $16k vehicle. Sent from my iPhone using Tapatalk Pro
  6. Credit Application: Car Lease Your Age: 27 Your Equifax Credit Score: 785 Your Experian Credit Score: 743 Your TransUnion Credit Score: 766 How long have you been on file with the CRA? 8 years Previous Automotive Credit History: Do you have an open auto loan? Yes Will this loan be a trade-in? No Number of late pays within the last 12 months on the currently open loan? 0 Number of late pays within the last 13-24 months on the currently open loan? 0 Current open auto loan is financed with? VW Current open auto loan payment is? $280 Estimated amount you may be upside down in this vehicle? $2800 Rate your payment history on this open auto loan from 1-10 (10=BEST) 10 I have read and understand the original pinned "No Credit Check Required" topic. Revolving Credit History: Total number of revolving accounts? 5 Total percent utilization overall? 4% Your Information: How long at residence? 2 months Rent/Homeowner/Live with relative? own How long at current job? Homemaker Total Provable MONTHLY GROSS INCOME? Provable via computerized paystub or what method? Husband pays the bills Your Downpayment in CASH: $0 Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE INPUT. Does any credit repository contain any Public Record? Is so, please describe. Does any credit repository contain any Collection Account(s) If so, please describe. New or Used Vehicle you are considering; please describe: Taking over a lease from an individual. $381 a month for 29 months. Your creditworthiness on a scale of 1-10 10 Never missed a payment or have collections. I don’t know if this helps: our home has 250k in equity & my savings account has more than the amount of the 29 lease payments in it. The challenge here is the income. My husband makes the money but can’t do sign because he’s 4 years into a 5 year chapter 13. Sent from my iPhone using Tapatalk Pro
  7. Good luck when the membership review people call. Member ship to what? Navy league? The woman at navy federal is the one who signed me up. I didn't so anything wrong.. Sent from my iPhone using Tapatalk
  8. I have no affiliation with the service. I joined navy fed last month and refinanced my car! They have me $250 after I paid my first payment. I signed my gf up and we both got $50. Then my 2 other roommates signed up and I got another $100. Not a bad way to get $400 for doing nothing! All you have to do to get accepted by navy fed is donate $50 bucks to their navy league. Also.. Fun fact. My girlfriend who has a few closed credit card accounts with balances and extreme lates (580 credit score) got approved for a $5000 credit card. She hasn't used it and doesn't plan to baring an emergency. Sent from my iPhone using Tapatalk
  9. It will change your average length of account history Sent from my iPhone using Tapatalk
  10. Good advice. Thank you sir Sent from my iPhone using Tapatalk
  11. My initial sales price was 291k I added 30k so my total sales price was 320k but the new condos selling for 314 with no upgrades at all. Sent from my iPhone using Tapatalk 3.5% down Sent from my iPhone using Tapatalk
  12. So when I handed over my deposit check for my new construction town home in March my sales price was $291,xxx. This was higher than the previous month and now it's even higher at $314,000. This to me seems like a great thing.. But does it mean I already will have equity in the property upon moving in? Thanks for the input! Sent from my iPhone using Tapatalk
  13. I'm going to post here to test my knowledge and gut feeling. Hoping one of the pros will chime in. Assuming there is good job history, income and debt ratio I would imagine it would take a least a year of on time credit card payments. Also, I was just approved for an FHA at 620 ( it's raised to 677 mid score since). I wonder if it's different depending in your area. Good luck and I hope you get a better answer than my guess! Sent from my iPhone using Tapatalk
  14. alivebytime

    FHA Loan

    You can put 5% for conventional? Sent from my iPhone using Tapatalk
  15. She owes 37. Her exact model sold for 29k at auction locally. Sent from my iPhone using Tapatalk

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