Jump to content

bmfmustang

Members
  • Content Count

    516
  • Joined

  • Last visited

Profile Information

  • Location
    Arkansas

Recent Profile Visitors

318 profile views
  1. Hey Marv, do you think I would have better luck with a Durango lease? I have a perfect history with Chrysler capital on a charger that I traded for my truck.
  2. Update: applied and ford credit wouldn’t do the lease without my wife co-signing again. She was a co-signer on my truck. She doesn’t want to co-sign again. (Long story). So I had to walk away.
  3. Credit Application: Auto LeaseYour Age: 40Your Equifax Credit Score: 640Your Experian Credit Score: 640Your TransUnion Credit Score: 631How long have you been on file with the CRA?s? 10+ yearsPrevious Automotive Credit History: 6 paid auto loans, 1 iibDo you have an open auto loan? YesWill this loan be a trade-in? YesNumber of late pays within the last 12 months on the currently open loan? NoneNumber of late pays within the last 13-24 months on the currently open loan? 3 30 daysCurrent open auto loan is financed with? Ford creditCurrent open auto loan payment is? 729Estimated amount you may be upside down in this vehicle? 3500Rate your payment history on this open auto loan from 1-10 (10=BEST) 8Revolving Credit History: excellent since bk last year. 6 cards highest is discover 2500. No lates 4 dollars showing as balanceTotal number of revolving accounts? 6Total percent utilization overall? .5 %Your Information:How long at residence? 3.5 yearsRent/Homeowner/Live with relative? Rent 825 monthHow long at current job? 1 month on job back to work after disability 4 years of ssdi Total Provable MONTHLY GROSS INCOME? 4320Provable via computerized paystub or what method? Tax Returns/Bank Statements and pay stubYour Downpayment in CASH: 4000Rebates not considered; Trade Equity not considered: Does any credit repository contain any Public Record? Yes....BK7...discharge 12/09 yes bk7 discharge 8/18Does any credit repository contain any Collection Account(s) NoIf so, please describe.New or Used Vehicle you are considering; please describe: 2019 Ford Edge st cost 46882 39 month lease at lease end with truck I currently haveYour creditworthiness on a scale of 1-10 with 10 being the best:OVERALL credit:Installment Credit History: 10 until BKRevolving Credit History: 10 until BK
  4. Is the pay history immediately prior to BK 7 supposed to still be reported? For example 30/60 days? Thanks!
  5. I developed kidney disease in 2016 resulting in becoming disabled in 2018. With our debts and the mountain of medical bills (125k+) It was the best option at the time. We kept our truck lease through the BK and it is reporting. We also got 2 secured cards one for 1000, and one for 500. We have about 20k saved now for down payment and our lowest middle score (my fico) is 631 right now. I am going in for a transplant at the end of March so we would be looking in the fall if it was possible. Discharge date was August 13 2018. Does this sound doable?
  6. Hello all! Is it possible to obtain a mortgage 1 year after bk7 if due to a disability? if so what types of documentation are necessary for support? thanks!
  7. Thanks Marv, in your experience have you ever seen anyone besides a Santander for instance, buy a loan like this?
  8. Credit Application: Your Age: 39 Your Equifax Credit Score: 519 Your Experian Credit Score: 523 Your TransUnion Credit Score: 569 How long have you been on file with the CRA?s? 22 years Previous Automotive Credit History: Do you have an open auto loan? No Will this loan be a trade-in?na Number of late pays within the last 12 months on the currently open loan? Number of late pays within the last 13-24 months on the currently open loan? Current open auto loan is financed with? Current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (10=BEST) 1-bk'd Revolving Credit History: Total number of revolving accounts? 0 Total percent utilization overall? Your Information: How long at residence? 3 years Rent/Homeowner/Live with relative? Rent 825/ mo How long at current job? 2 years Total Provable MONTHLY GROSS INCOME? 5765 Provable via computerized paystub or what method? Pay stub Your Downpayment in CASH: 10,000 Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE INPUT. Does any credit repository contain any Public Record? Is so, please describe. Yes bk discharged 6/18 Does any credit repository contain any Collection Account(s) If so, please describe. Yes electric bill 5/2012 paid collection New or Used Vehicle you are considering; please describe: used grand Cherokee 2013 or used 2013 Acura MDX both are about 18k Your creditworthiness on a scale of 1-10 with 10 being the best: OVERALL credit: prior to bk 8 Installment Credit History: prior to bk 8 Revolving Credit History: prior to bk 10 I'm trying to Hibernate, Don't bother me.
  9. It is truly amazing the amount of people that are not aware of the completely useless nature of credit karma scores. The only thing it is good for is free monitoring for changes without having to pay for it. It is no wonder however with the misleading commercials... "Your credit score should be free, and now it is." Very intellectually dishonest. But " let the consumer beware." FYI my CK scores are over 100 points lower than my ficos. Ignore the score, use the monitoring.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines