Utilization Consolidation Optimization only using EX HELP!
EQ538 TU587 EX638
Amex blue 10K / 4K bal Amex Every 10K / 7500 bal BOA Alaska Air 4500/ 3900 bal
DISC 6300/ 4200 bal
BECU 2K/ 1500 bal
Cap 1 800/ 0 bal
CITI 1K/0 bal
Credit one 950/ 0 bal
First Premier 1K / 0 bal
First Premier 400/ 0 bal
Student loan 9500/ 9270 bal
I was at 690-710 on my scores then loaded my cards, killing my scores from over utilization.
Along the way I was dealing with a federal agency penalty which before it got through with the appeal/contesting/adjudication the person I was dealing with retired, and the division of the agency closed now sending all penalties directly to Treasury. Soooo Treasury’s Bureau Of Fiscal Service is the taxpayers collection agency and they are tough. Sent me a notice of intent to garnish me (they can only take 15% after tax) and hit EQ and TU with a 40K collection! One of the listings said the account start date was 01/01/0001 that’s 1000 years before the crusades. So my credit repair person immediately verify challenges them. They have now come back twice updated with more info and amounts claimed, My insurance will cover part of it and I have a attorney doing the adjudication challenge with Treasury but the process is slow, maybe a year. So even though the debt is not being avoided by me, and hasn’t been confirmed, they are jamming me up on the bureaus. Im trying a third time verification with EQ TU maybe the govt shutdown will help them miss the 60 day window. But I’m dead on those bureaus. I tried my CU but they pulled TU and that’s how I found out about the Treasury listing.
I know my EX score is low from loading up my cards, won’t a consolidation loan get my score back up? EX has 5 inquires 3/18 11/17 11/17 11/17 10/17
I’ve gotten the typical mailing from BestEgg and was about to click the button but waited, wanting more info. Here on Pulls it looks like they only pull EX? I need to figure out how, if it’s possible for me to do this.
In the mean time I need to get a car, a person I’ve been working with says the finance person has banks that only pull EX.
I have a good job, 70K at it 8 months, went to school last year to get the job. years of credit history, only 3 lates from over two years ago.
1. Where how to get consolidation loan to put out card fires.
2. Apply for consolidation or car loan first?
3. If I can get more then I need on consolidation should I take it and use extra to pay down balance then it will show less then 100% on my report and now count as bad?
4. Is there any hope I can pull this off?
5. The BestEgg prequalified offer is good only till Jan 9 so time is ASAP crucial, I haven't clicked through on it yet so they haven't run me, and they are emailing me to continue.
Thank you for any and all help!!!!!