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  1. Will do. On tomorrow's agenda.
  2. LOL, "Yes, hello FREAK BAG! Gimme an increase!"
  3. Hit the luv button on my Cap1 QS with a 2300 limit, DENIED. Hit the luv button on my Cap1 Platinum and tripled my limit. Weirdos.
  4. Oops, should say 16, not 96 yrs on Experian
  5. Credit Application: Your Age? 40 Your Equifax Credit Score? 630 Your Experian Credit Score? 652 Your TransUnion Credit Score? 634 How many years have you been on file with Equifax? 17 How many years have you been on file with Experian? 96 How many years have you been on file with TransUnion? 12 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Navy Federal Credit Union Your current open auto loan payment is? $367 Estimated amount you may be upside down in this vehicle? 6k 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? 11 Total percentage utilized overall? 10% How many of your revolving accounts are store cards? 7 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 4 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 1 month Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? 1202 How long have you held your current job? 12 yrs Your total provable monthly gross income is? 8030 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Stub Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? no Spousal income is not applicable. NA YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 1000 Does any credit repository contain any Public Record? NO If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. 2011 repo'd charge off, 2008 charge off Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. 2015 Dodge Ram 1500 EcoDiesel MSRP $38,220
  6. Thank you for the response. I will post it up tomorrow as I did not bring it with me today. My father seems to think that he can do another loan mod but I'm not sure that this is true. Can the foreclosure process be started if he becomes late with the escrow only? I am assuming so. Thanks again, I'll post up the terms just as soon as I can.
  7. Long story short, my Dad went through a loan mod a couple of years and he told me his payment just increased from 1700 to 2700. I thought maybe he had gotten an ARM but it was a loan mod. Now I have no idea how these work but from what I can gather there is an escrow account in place to protect the lender and buyer to ensure that the property taxes and the mortgage insurance is paid. I took a look at his statement and other docs the lender sent him and did a little googling. My assumption is that this escrow account is a fixed number and his "payment" will normalize back to 1700 when it is paid up. Is this correct or at least in the ball park?
  8. Congrats! Love the recon route. I was skeptical but definitely a true believer now that I've experienced it myself twice this week! Makes you feel great right?!
  9. I would try the escalation/recon route first. Quick phone call stating everything you stated in your original post. Might be surprised. I did the exact same thing yesterday and viola! Approved for what I had applied for.
  10. Thanks everyone who has responded (too many great responses to quote you all). Understanding that there are a billion scoring models which different creditors pull helps. So since I'll never figure that out, I'll spend more time focusing on the tasks that I know i need to accomplish. 4 derrogs and that UTI. Neither will be fixed overnight.
  11. I understand the journey is a process, I'm only 4 derrogs away from clean reports so I'm working on that. I just need to see where my scores are making progress (or not) and when. My goal is a mortgage (that's where my true obsession is lol) but I just can't seem to get a handle on when I may be able to apply. (Last task for now is getting my UTI down zero on all but CC's).
  12. Ok new here but not new to forum world and novice in credit rebuild. Doing LOTS of reading for NEWBS on here. One frustration I have is where can I get my actual FICO scores which financing companies are pulling? Here is an example of my frustration: October 25th I call up AT&T for U-verse set up in a new place I moved into. Hard pull. DONE. Busy with the move and forget all about it until I received the letter in the mail "Hey we pulled your credit blah blah...716 is the score. Still busy with the move threw it in the trash. Today I realized MyFico score on that date was actually 535 (rebuilding remember?). on 11/11 Barclays did a hard pull for a CC app, denied, recon'd, approved. TU Score on that date was 623. All the other free Fako's I have pulling from TU say 591. ARGHHHHH!!!! How the heck am I supposed to know if I'm making ACTUAL progress on FICO scores if everything and everyone is different? I can't keep getting hard pulls for the sake of seeing my scores right!!!! Does MyFICO pull your FICO score and just adjusts THAT pulled FICO score up or down based on activity or does it pull the FICO score again? Sorry I've searched but my eyes are bleeding from all the NEWB reading and i just can't seem to get a specific answer to my question. Bits and pieces of inference is what I'm mostly seeing.
  13. I had the complete opposite experience! I applied yesterday, DENIAL. Called and Recon'd, BOOM approved with a nice limit (for me anyway). The gal was nice and just asked some questions about my history and that was that. Sorry you had a bad experience.

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