Jtgill14

Do not apply for a 2nd Card. That would most likely get denied for both. Grow a big limit on 1 Card because NFCU doesn’t let you move credit around anymore “stopped a long time ago” like Amex or Chase but you can change your card. I believe the Flagship has the largest limit out of there credit cards. Sent from my iPhone using Tapatalk Pro

When your score drops that much it’s either your AAOA or something else. Need more info. Sent from my iPhone using Tapatalk Pro

^^ What Shifter said on your auto loan. Most people think on a simple interest loan if they pay extra it will automatically go towards the principal. Most banks don’t have that option online “some due” unless you call or mail your payment telling them you want the extra to go towards the principal you just basically prepaid. Otherwise your payment will still be due every month. Sorry that happened but my advice would be to take everything you have been paying towards your car and put it towards your C.C’s starting with your highest interest rate cards first. I would not make another car payment until December. Sent from my iPhone using Tapatalk Pro

It seems that Plastiq is up and running with Amex now. Sent from my iPhone using Tapatalk Pro

+1000 Sent from my iPhone using Tapatalk Pro

I think a better option would be something in writing from your credit card company stating that it was paid and there was no chargeback.I don’t see a major credit card company writing you a special letter for merchant. I think printing out your cc Statement showing the charge with xxxx account number would be sufficient evidence. Also some credit card companies have an area where you can show disputes I would print that out. Because they received the money even if hypothetically “Joe Blow gets a c.c for X amount and maxes it out and doesn’t pay the credit card company the merchants still get paid” I know that is not your situation but I was just making a scenario. Because you didn’t dispute it means the merchant still gets paid. Maybe your credit card company might do something special for that I could be wrong, I can barely get them to do what there exposed to do on some lol [emoji23]. Sent from my iPhone using Tapatalk Pro

Same issue here in Texas last update was August. Sent from my iPhone using Tapatalk Pro

They now use FICO 9 Auto Enhanced

Will do thank you Sent from my iPhone using Tapatalk Pro

Like I said I don’t know where to post this but I always see people asking what credit bureau a Lender Pulls and what Fico model so her is a new one that I found out. Mercedes-Benz Financial is now using TU FICO 9 Auto Enhanced Also the Mercedes dealer Pulled FICO 9 Auto Just thought I would share this information. Sent from my iPhone using Tapatalk Pro

That's why you fill out and submit your own applications. Yeah I just learned the hard way. Sent from my iPhone using Tapatalk Pro

How long if denied at Lowes can you re apply? Also if denied at Lowes will they deny you at Sams/Walmart? The reason I was denied at Lowes was because the Lowes CSR didn’t know what she was doing AT ALL and put my income of 25k way off. Called to recon and tried to explain what happened and was told wait for mail. Mail states debt to income Duh. Not trying to hijack your thread but I figured it’s easier to put it in her. Thank you Sent from my iPhone using Tapatalk Pro

They didn’t pull all 3 credit bureaus for your mortgage and pick the middle score? Sent from my iPhone using Tapatalk Pro

Yes Texas does have Salvaged titles. I live in Houston and with experience with all of are past floods. I don't buy used because to many people I know get vehicles that have been flooded. This storm was the worst flooding I have ever seen and I'm born and raised here. Makes IKE, and Allison look like a step child. It's just awful Sent from my iPhone using Tapatalk Pro