
aroberson
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Should i cancel my Boa card to combine limits?
aroberson replied to pokerdave's topic in Credit Forum
I wonder if you haven't filed 2020 taxes, they would just look at the 2019 returns for your income?? -
cv91915 reacted to a post in a topic: Given the upcoming Fed cuts, when will mortgage rates bottom out?
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aroberson started following Given the upcoming Fed cuts, when will mortgage rates bottom out?
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Given the upcoming Fed cuts, when will mortgage rates bottom out?
aroberson replied to DiamondEye's topic in Mortgages
I am about to close on my refi, 30 yr at 2.625 with points Sent from my SM-G920V using Tapatalk -
aroberson reacted to a post in a topic: experian vs Fico vs vantage score
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I'm tempted to try goodwill with Crap One, got a 30 day late from 2018 that is killing me, Fico 8 of 742, I'd imagine removing the late would put me close to 800
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It's interesting that we see both the same things. I really thought most lenders would be using FICO 8 or 9 scores, but I guess that is not the case
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ok, it seems though the loans I have been applying for are using them
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I am seeing a big discrepancy between my fico and vantage scores (27 points), is this common?
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cv91915 reacted to a post in a topic: Denied Personal Loan: Too many inquires
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cv91915 reacted to a post in a topic: Denied Personal Loan: Too many inquires
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centex reacted to a post in a topic: Denied Personal Loan: Too many inquires
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cv91915 reacted to a post in a topic: Denied Personal Loan: Too many inquires
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Thank you! I would never pay more than $400 a month for a car, and will probably never buy a brand new one either. I am thinking I need to look into a credit union or bank. I bank at Wells Fargo, Chase, and Ally, but I really do not want to get a loan through Wells Fargo. Unfortunately I do not qualify for Navy Federal. Thankfully our house has about 75k in equity, but I would rather not tap into that if I didn't have to. Honestly I am in a much better place now, then 3 years ago when all my cards were maxed out, and I could barely afford the minimums.
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Sorry if I wrote it incorrectly, my total unsecured debt is $33k I have looked at a HELOC and was approved for one, but since I was doing a refi I did not take it. I think it was 4% on a minimum of $35k. I will probably look at that at some point. I have no problem making the same payments I am making (about $1210 per month) so I would probably continue that same total payment mount but just at a lower interest rate. I just hate looking at how much I spend on unsecured debt. In the past 2 years I have learned my lesson, increased my cash flow and budgeted better, and do not us
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so I have about 25k in 2 Lighstream loans, interest rate is around 12.8%. I would like to try to roll those into one loan with a better interest rate. I keep looking for loans with a variety of the online companies, but always get denied due to too many inquires. I have 10 inquiries in the past 2 years, and one 30 day late from 2018. Are there any creditors that actually look at my payment history and see that I am more than capable of paying my current loans?
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Comenity Bank & Other Monsters I Need Help Slaying
aroberson replied to Toast73's topic in Credit Forum
Thank you for the info, I think some of the issue was that I had not used all of the accounts recently, but it is hard with a store account to do so. I will definitely look into this more from the arbitration side, I have one late payment from 2018 but that was before I applied for most of these accounts so they knew about it. The only thing I did was keep requesting credit increases through their online page, but I kept getting approved, if anything it is their negligence in engineering the software that led to large available credit from them. -
Comenity Bank & Other Monsters I Need Help Slaying
aroberson replied to Toast73's topic in Credit Forum
They did the same thing to me, would it be worth filing a case? What kind of outcome did you get?