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creditguy2015

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  1. Again I repeat I am in the business of funding not credit repair. I have relationships with lenders to obtain business funding over 100k. This client I am writing back is a long time friend of mine who asked me for help. He knows I am in the funding business. I am trying to learn how I can help him repair his credit, get him approved for a few credit cards and get him where he needs to qualify for the funding he needs for his business.
  2. I don't charge to repair someone's credit. That is not my specialty. I only make money when I am able to range funding for my clients. Hence why I am coming here to ask the advice of the experts. Instead of the comments how about some productive feedback here.
  3. I am not a credit repair specialist. I help my clients obtain personal and business funding. Hence the question.
  4. I have a file in 680 range on all three bureaus. My client was previously working with another firm who shopped his file around for funding and racked up Inquiries. The client also racked up denials from the following banks: Chase Bank of America Barclays US Bank 4 Inquiries in the last month alone. He has not had an approval in the last month. Total of 13 Inquiries on his Equifax in the last 6 months. He has two credit card accounts; One with two payment history and the other account with one year payment history. At what point can he approach lenders ? Does he need to wait 3 months, 4 months, 6 months, etc… before the inquiries are considered old and not relevant to lenders ? We would like to pick up one of two more approvals before we hold off. Equifax has 13 Recent Inquiries. No Negatives. Low Utilization. We want to approach a credit union or a lender that will approve for funding with Equifax showing the 13 Inquiries.
  5. Ok thank you. Should I focus on banks or credit unions ?
  6. Yes it says. Disclaimer: Please be aware that I am not personally approving your loan application. Any comments, suggestions, or advice I may make are solely based on the information you provide me on the below application. Therefore, please, just answer the specific question asked in the application without extraneous comments. My ability to secure loans for any consumer is based on an intimate knowledge of my lenders policies and procedures along with an extremely personal relationship with each of my credit analysts. I am unable to predict an interest rate. To me this implies that you go and try to secure a loan after you give it the green light. Am I Interperting this correctly ?
  7. I sent you my personal file. It is for my benefit.
  8. I do car flips. My company has buyers who come knocking on the door. They request specific cars that my company goes out and searches for. When we find one of the cars they requested we get an auto loan. After loan approval we turn around purchase the car, resell to the customer and payoff the auto loan.
  9. Ok I fixed it up. Let me know if this is ok. Credit Application: Your Age? 41 Your Equifax Credit Score? 696 Your Experian Credit Score? 730 Your TransUnion Credit Score? 762 How many years have you been on file with Equifax? 14 How many years have you been on file with Experian? 14 How many years have you been on file with TransUnion? 14 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? None How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? Nissan Infiniti LT Your current open auto loan payment is? $238.91 per month Estimated amount you may be upside down in this vehicle? $21,443 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? 1 Total percentage utilized overall? Zero How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) None How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) None YOUR PERSONAL INFORMATION How long at your current residence? 14 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $600.00 per month How long have you held your current job? 2 years Your total provable monthly gross income is? 9,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Pay Check Stub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) No Down Payment. Looking for 72 month loan all taxes and fees wrapped into the loan. 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. Verizon Wirelss bill from 2013. I have open dispute with them. A credit repair I was working with told me to go and payoff the bill. I paid it off in March. My credit reports show this as paid. However, for an odd reason Experian has a note stating I paid it off but that I paid less than the amount owed. This is Not True. I owed $95.00 ( I have a copy of a bill ) and I actually paid Verizon Wirelss $112.0. I paid off Verizon Wireless directly. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 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. User 2011 Cadillac Escalade hybrid 76k Highway Miles Automatic transmission Still under warranty
  10. Does anyone think I should try Chase, US Bank or Fifth Third next to get the auto loan ?
  11. I have already posted my credit report it in this room.
  12. I posted in this room and you wrote this is the wrong place and to post in here https://creditboards.com/forums/index.php?showtopic=197666 I checked this link and it says the topic is locked and I can not post anytihng

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