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  1. Interesting, thanks for sharing. Guess they ain’t to bad on my credit.
  2. I kid you guys not, I have a few personals loans that helped me report as positive payment. There all paid and never missed a payment t, however Experian says that too many consumer finance accounts are bringing score down, go figure.
  3. Apparently did t know that consumer finance accounts was viewed as bad. I was just trying to build credit, go figure.
  4. Hello credit boards, when we dispute an item, how do we know that the creditor actually verified? Or maybe the credit bureau is saying it got verified when it never did? Is this what the method of verification letter comes in? I’ve heard these letters are not to effective? Thoughts?
  5. Good morning, Marv, how you doing? Well, here with another question. Wife and I are talking of selling Durango to Carvanna and just use my beat around Jeep while we save a down payment. No use keeping Durango if it’s depreciating in value. So if Carvanna pays off our Durango and we use that monthly payment to save up for a new vehicle, is our Fico score going to up? Or it doesn’t really matter since it’s not revolving credit? Thoughts?
  6. Do we have to be a member to NFCU to apply? I’m not in the service.
  7. Thanks this is the answer I’m looking for. I thought you had to apply online first and then see what they approved you for. Good to know, thanks Marv.
  8. Marv, I messed up my credit and I take responsibility. I’ve lived with bad credit for the last 7 years, struggling to even get approved for good rates. I’ve learned to be more responsible and if I can avoid inquiries at all, I’m all for it. I have goals to have great credit and keep it that way. For example Chrysler Capital gave me a 20% interest rate even with a large down payment, because my score was bad.
  9. Hey Marv, thanks for all the help but I had another question. Can you explain the best way to find financing out of the dealership to avoid being shopped by lenders? I rather finance with a credit union, so would I just call a credit union and fill out an app for certain amount? Lets say, I find a truck I like. Then I negotiated the price then I financed with a credit union towards the end of the deal?
  10. Ok got it, thanks again. I’ll line something up. Your time and knowledge have been excellent.
  11. Hey Marv, I want to thank you. My scores have been improving. I had another question, since all you’ve told me is true. My old inquiries have been getting deleted. Experian says my Fico Auto Score 8 is at 681 right now. Teach us about money down, if I get my score up to at least 740, and want to get a 44K truck for example. Monthly Income is $4,704. Have check stubs to prove that. Home is paid. Just regular expenses like electricity, water, insurance, credit card debt is getting paid off. With a 740 Fico Auto Score 8, and 44K truck, will the finance company require a down payment, if so how much, give or take? Like I said Durango is just too small for us, need something bigger. Thanks Marv, your knowledge is really helping me make better decisions. Anything else you need to know let me know.
  12. So just for fun, Experian is right or making stuff up? I need to get my Fico Scores Auto 8 and 2 but if that’s the case I find it rather annoying?
  13. Thanks legal eagle, I have some furniture paid off, personal loans paid off, and even my home smart cameras are financed by Fortiva. Anyway, I can improve my scores even with having these?
  14. Experian says that my Fico Auto Score 8 at 638. Also Fico Score Auto 2 at 654 are being held back because of a consumer finance account, is this like personals loans? I do have loans but there paid off as agreed. Just trying to really figure out why my scores don’t improve. Late payment was August of 2018 and none since, thank God.
  15. I’ll take this inquiries over anything crap load of interest tho.
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