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About Lema

  • Birthday 04/06/1989

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  1. By any chance have you heard of credit9?.. while i was researching BT cards i received a pre-approved offer in the mail for my debt amount with 0 interest for 12mos ... its a consolidation line of credit is what it says.. thanks
  2. so as for the LTV.. i ran the numbers and i got 2.14 ?? i would need a 12,000 loan for the car, the cars value right now is 5,600... yeah im drowning in this thing.... as for the installment loan only i have the other installment loan reporting
  3. Last year me and my wife took out a car loan together. Since our credit was "new" it was low enough to get us a 24% interest rate😬 on a used 2010 buick lacrosse.. but we were in need of a vehicle and didn't know we could still shop around and have minimal inquiry impact on our credit. Now we are looking to refinance both of our credit scores are in very good shape 740s across all 3 bureaus and no negative marks. On her report she only has the auto loan along with a secured cc , on mine i have the auto loan along with a personal loan. So i would like to know,Would it be better if she applies for the refinancing on her own? or would the both of us need to do it since we are both on the original loan? and if we/she has no luck with our bank are there any reputable online lenders that anyone here in the community has dealt with in the past? The loan is through American Credit Acceptance and they do not refinance..... Also in what way would it impact my fico is she were to obtain the loan? would the previous loan erase from my report and only report on hers after the refinancing? thank you all for our help i feel like my questions are all over the place... if you need any more info to help with answering these questions please feel free to ask
  4. thanks.. yeah i had actually checked out that thread just before posting my question. I will pay attention to the language and see if it is indeed tailored to me. thank for your help.
  5. I am asking because for awhile now i have been getting numerous amounts of credit offers weekly from banks and credit card companies. I have never taken them up on any of the offers as i have never felt comfortable responding to those. I feel they are just mass offers they send out on the daily and don't actually apply to YOUR specific credit file. So if any of you can share your experience or advice as to whether or not they are good to take up on or to just continue to shred them as i have been doing? Thanks
  6. what are the requirements for opening an account with NFCU?
  7. How's it going everyone?. So I am looking for some advice on a bind I am currently in. As of right now I have an auto loan that has 11k left owed. As well as a personal loan for 13k. I have two cc with capital one, one is my and i am an AU on the other the total limit is 1,000 to which I only us at the most 10% on that if need. Up until now i made consistent payments on both loans as well as additional principal payments for both to try and pay them down as quickly as possible. So now with the Covid-19 going on and having been laid off from work I filed for unemployment insurance, not sure how it is where everyone else is from but here (hawaii) the system was overwhelmed by the sudden traffic that it crashed. luckily i was able to get through after numerous attempts. i was able to contact both loan companies and was told that i can have some of my additional payments made carried over to these coming months so that i do not miss any payments. So i am looking to consolidate those two loans into a lower monthly payment. Also If anything are lenders being more strict right now during this time? .. i ask because i have a pretty thin file the two loans and cc and my credit file is only 18mos with no negative items whatsoever aside from the inquiries for the auto loan... as of right now my fico 8 from experian app: ex744 EQ751 TU748... Myfico.com EX732 EQ738 TU748... so any and all advice is greatly appreciated as well as debt consolidation or other options.. Thanks

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