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  1. How long after you close can you apply for new credit? I am wanting some new furniture for my new house and I close July 2nd. Sent from my iPhone using Tapatalk
  2. New vehicle. Trading in a vehicle. Credit FICO 8 is EQ 680, TU 687, EX 665. Sent from my iPhone using Tapatalk
  3. Is it best to try to get an auto loan with a credit union instead of having your credit shotgunned by an auto dealership? Sent from my iPhone using Tapatalk
  4. Why would I do that? THEIR job is to file my insurance correctly and ensure they are paid. Sent from my iPhone using Tapatalk
  5. Yes I pay for the mortgage scores. I did pay my provider. I have double insurance and the providers fail to file with my insurance correctly so I am trying to figure out if it was done. Then I hear the BS excuse that they won’t file with my insurance and I have to pay it. Sent from my iPhone using Tapatalk
  6. The scores I reference are from My Fico. It’s the most accurate. I have a lot of new credit. Both auto loans are opened July 2019. The installment loans and credit cards are within a year as well. I had 2 auto loans that I paid off. The medical collections are fairly recent within 3-4 months. I am worried about paying them off if it will drop my score. Sent from my iPhone using Tapatalk
  7. I have 2 auto loans, 2 installment loans, 6 credit cards.2 medical collections Sent from my iPhone using Tapatalk
  8. If I pay my credit utilization down from 60% to 0% will that make my score jump up? I charged up my cards after a house deal fell thru and we found a house we like but my scores are low 600/580 range. I am trying to qualify for a VA loan. I have 2 small medical collections on my credit. Also have 2 current auto loans and 2 installment loans Sent from my iPhone using Tapatalk
  9. Which Companies use FICO 8 scoring? Sent from my iPhone using Tapatalk
  10. I did bc I am building a house and my lender referred a great company Sent from my iPhone using Tapatalk
  11. I can give u the company I use. They operate in multiple states. Maybe they can help u. They are great. I only pay $200 a month for both my wife and I. Sent from my iPhone using Tapatalk
  12. Contact a lender and they will tell u of reputable credit repair companies. I found one here in Oklahoma that is affordable and who has removed so many things. I am at 640/650 now and will be at 700 by February. Sent from my iPhone using Tapatalk
  13. My wife and I are wanting to buy a home but we have collections and charge offs on our credit. We are trying to raise our score to 620 for a VA loan. Just trying to get a game plan. Will we need to pay these off before we can buy? They are all over 2 years old.
  14. I just got my results back on my investigation. I got 6 medical collections removed. I still have 4 collections(LVNV Funding, Jefferson Capital and Credit Collections) and 4 charge offs which are World Acceptance, Credit One Bank, Gettington, and Fingerhut. 3 of the 4 collections are from the charge offs. All of these are over 2 years old. What are my next steps with these creditors? Any strategies? What letters do I use? Sent from my iPhone using Tapatalk
  15. I had 5 surgeries and a heart attack in 2 years which affected all of this. I have the income now I just don’t know what to pay. Do I pay off all the collections? I am trying to rebuild and that is why I need advice. I have to get a vehicle in Sept bc my lease ends. My auto loan is GM Flinancial Sent from my iPhone using Tapatalk

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