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Everything posted by Roxie

  1. Credit Application: Your Age? 33 Your Equifax Credit Score? 567 Your Experian Credit Score? 545 Your TransUnion Credit Score? 567 How many years have you been on file with Equifax? How many years have you been on file with Experian? How many years have you been on file with TransUnion? YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? NO How many late pays within the last 13-24 months on the currently open loan? N/A Your current open auto loan is financed with? N/A How many late pays within the last 12 months on the currently open loan? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 2 Total percentage utilized overall? 90% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 3 YEARS Do you Rent or have a Mortgage, or Live w/Relative or Other? MORTGAGE Your Monthly Rent or Mortgage payment? 3300 How long have you held your current job? 16 YEARS Your total provable monthly gross income is? 8800 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) LES Is there additional monthly income? What amount monthly? NONE Describe the source. N/A Is the additional monthly income provable? N/A Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 5000 CASH DOWN Does any credit repository contain any Public Record? NO If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? YES If yes, please very briefly describe. 1 OLD CELLULAR COMPANY REPORTING ME WHEN IT WAS PAID, CURRENTLY WORKING TO GET REMOVED. AMT THEY ARE REPORTING IS LESS THAN $200 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 4 New or Used vehicle you are considering: Please very briefly describe. 2008 NEW VOLKSWAGEN BEETLE SELLING PRICE $21,183
  2. I did not read all of the posts so forgive me if I am echoing others. As a Mortgage Loan Officer I can tell you that when you go stated you automatically pay a slightly higher interest rate. When you factor this in with the fact that it sounds like you already have one mortgage, the interest rate range you stated is pretty on par. See if they are willing to charge you 0 points on the loan OR waive brokerage fees. If they are not willing to budge on either, I would can the deal and move on to someone else because it sounds like they may be trying to line their pockets on the deal. I recommend Accubanc if you are set on going stated. They tend to be pretty good with their rates because of the competition. Just my .02 Stephanie
  3. I get my CR from TC and it just provides an abbrviated name of the inquiry and from which bureau it was requested. Nothing further but I NEED to get some of these inquiries off of my credit. I closed on a house in July and 17 inquiries are just from that! Plus I have a handful of other inq's. Is there a way or a CR I can pull that displays the addresses? Steph
  4. Sorry to thread jack but I wanted to ask you, how did you get paid collections deleted? I am getting no where with them. They just keep "reaging" the accounts everytime I dispute. And I use TC as well and EXP is the one that gives me a hard time whereas EW is just constantly jumping all over the place. Steph
  5. I have a paid collection account that has been altered through renewing of the "Date Opened" and Date Reported in order to keep this Neg TL on my credit report. I am pretty sure I need to dispute this with the OC and the CA but is there a template letter for me to follow regarding this? If so can someone please direct me to it. Am I understanding that after I request them show where they followed the FCBA and FDCPA and it proves that these dates are inaccurate, they must delete? Please advise so I can be sure I am understanding proper protocol so I can follow through. Thanks Bunches! p.s. I think the correct term I am looking for is "reaging" of accounts
  6. I have numerous positive tradelines that are not appearing on all three bureaus so natually the ones that the TL's are not appearing on the FICO is lower. How do I go about being sure that the positive Tradlines are appearing on all 3 bureaus. Is there a legal sounding form letter that I may use and tailor to my needs? If so please direct me to it. Thank you so much!
  7. Are Judgements still supposed to report under Pulic Record section of CR after a Ch. 7 bk? Mostly everything says included in BK somewhere on it but these do not. And I will tail another question off of this. It is necessary for Neg tradlines that were incld in BK still be reporting on CR as "Included in Ch7" even though it already says a BK was file in the public record section? Seems like overlapping info to me and a way for the CB to deduct more points? I have gotten alot of stuff cleared so far, thanks to this site but there are still things I am unclear on. Working 12 hours a day does not give me as much time as I would like to sit on here and read every thread and the search engine is only so helpful. So please no one get angry if these ?'s have been answered already. That is why we are all here,....to help each other. A big THANK YOU in advance for the person who takes the time to answer. Roxie
  8. Ok. Experian is by far my lowest score. I am 615 on TU and 610 on EQ but Exp is 545 . I got a copy of my Exp CR in the mail friday and nearly the ENTIRE THING is reading incorrectly. I mean what do these people do,....just sit there and put whatever they want on peoples credit file! I think the main reason is they are listing positive TLs as obsolete. Maybe I am not sure what obsolete means but it seems like 3 fully paid ON TIME autoloans don't quite seem so obsolete to me. The question is, what is obsolete. I am understanding it correctly and is this hurting my score? Roxie
  9. Roxie

    Unique Situation

    Yes those conditions were placed because of the CS you saw in my sig. Those are FAKO's. I removed them today.
  10. Roxie

    Mr. Cooke

    Ok forgive me for being a little slow here but I still need a name and number of someone who can help me if Mr. Cooke is not avail. This one hit that they refuse to remove is causing serious damage. Rox
  11. Roxie

    Mr. Cooke

    I had no access to my direct deposit in order to purchase a money order. For 5 weeks. We are military so we have no choice but to get paid through direct deposit.
  12. We just closed at the end of last month and we have already earned 120K in equity and we are looking to take about 60K out to get our rear landscaping in and pay off one of our vehicles as well as make some other improvements like painting the inside and changing out some of the contractor grade fixtures and such. I am worried that we will not get approved for the loan even though our credit situation has changed drastically since the closing. We had to pay off all CC's in closing and the actual purchase of the house is not reflecting on our credit reports yet which I understand instantly improves your score? Common sense would tell me that the qualifications are not as strict for a HEL since it is technically a "secured loan" and you are really "borrowing from yourself." But from my experiences, things are ALWAYS more complicated than they seem. Roxie
  13. I do not know what PMI is but I can tell you this. We just got a VA loan in the amount of $459,066.00 with a credit score of 523 and 3 years post BK Ch. 7 with an interest rate of 5% and NO MONEY DOWN. We closed just at the end of last month. It can be done. The stipulations were that the money we paid for our upgrades on the house (which subsequently have to be paid in cash since this is new construction) that we would have normally gotten back in the closing of the home went towards paying off all open credit card debt. It only amounted to about $5000 in debt total. So if your lender is even giving you the slightest inkling that they cannot get this loan done, I would say find another lender. One who closes more loans independantly. It really helps to have someone who knows what they are doing working for you. Roxie
  14. This may seem a bit off , but is there any chance you may be pregnant? I know when I was pregnant with my son I would cry at the most trivial things. I mean cry over like the way the laundry soap smelled or the soup being too hot. Roxie
  15. How are some of you doing the screen captures of your credit scores and posting it? I have no clue how to do a screen capture. Roxie
  16. Can anyone recommend a good site or service to pull a 3 in 1 credit report with scores every 30 days and keep you updated of changes that occur? Where are the cheapest and most reliable based on your experiences. I am using True Credit Now but $29.99 a month is expensive! Roxie
  17. Roxie

    Mr. Cooke

    I have read that there is a Mr. Cooke on the forum that is a Cap One rep. and has been helpful to many people. I need his help getting one 30 day late removed. Mr. Cooke if you are out there, please help! Its a recent hit and its killing my score. It happened as the result of a stolen bank debt card so I have to cancel the account and order all new checks and debt cards. Since I live in Hawaii and tha bank is on the mainland, it took nearly 5 weeks to see my new debt card and checks,....in the mean time I had NO access to any of my direct deposit paycheck. I furnished Cap 1 with a letter from my bank verifying all of this but they said....technically your payment was still late regardless of circumstance and they could not change it. I say,....not that they can't....they won't. I say every person who writes the rules for these CCC's I hope one day something bad happens to them and they are subjected to the same incompassion that I have been. Anyhow, thanks for your time if you get this. Roxie
  18. If you have something derogatory on your CR that you want removed, is there any way to get it removed? What is the best way to go about doing this and which is the best recommend letter to get the job done? Roxie
  19. I recently bought a new home and part of the conditions of my loan was me paying off and closing all credit card accounts. Well my escrow company called all of my creditors and got balances and closed all accounts and sent a letter to all of them with my signature, Notarized, & CRRR to them along with the pay off balances that they were given on the phone. Well Household Bank Card Services decided that dispite the phone call requesting the account be close and the alert of full payoff being sent decided to charge me a late fee and over the limit fee (because my CL was $500 and bal. was $497 prior to them being paid). So needless to say the payment that my escrow account sent them got there 6 days after the due date but they assessed a late fee first which put me over the limit and then assessed the OTL fee. So now even though my escrow company sent them the payoff balance they gave them on the phone, I still owe them $78. Two $39! fees! So now I am in violation of my loan terms because of this. Keep in mind when they were alerted that a full pay off was being sent and it wouldn't get there until after the due date, I was told "oh no problem, since you are paying this account off we will just annotate your account and waive them." I called them to ask them to remove the charges because of what I feel is their fault. Of course the CSR on the phone couldnt do anything and had to transfer me to a supervisor. Of course those annotations they said they would make prior were NEVER made. I sat on hold 30 mins with no answer. I called back and repeated process and still no super got on the phone. I am sick of this and I want to know is there a more effective, perhaps written means to demand these fees be removed so this account can be put to rest? Sorry for all of the details but necessary for it all to make sense. Roxie
  20. Hello all. I am new to the boards. I have been here for two solid days doing nothing more but just reading. It is so much information to take in. I am wondering if anyone has a sample of PsychDoc's Nutcase Letter and also I need some sample Validation Letters for CA's or anyone for that matter that is reporting invalid information on my CR. I know I saw a link for the Validation letters once and I forgot to save it in my favs while I was reading and now I cannot find it again. Roxie
  21. I have been going at this "trying to get our credit cleaned up" for what seems like years and I honestly feel like a one armed wall paper hanger. Today I noticed that all of my husbands student loans that have been transferred back and forth between Sallie Mae, USA Servicing Company and US GP Loan services multiple times are all listed under derogatory tradelines? Could this be lowering his score even though they are all current on payment? Also I have submitted MUTIPLE request for all of these to be removed (other than the correctly reading ONE) in the past and Experian has has them listed as being under investigation and has him listed as being late on transferred accounts. Keep in mind you can see with EQ and TU they are current and listed as transferred. Keep in mind EX has been investigating this "SIMPLE" task for 6 months or greater. To further validate the stupity of all of this, EX also has the correct loan that all of these accounts were transferred to as reading current. Go figure. Forgive me for sounding simple but I thought that after 30 days if they did not respond, they sorta HAD to the remove the stuff from your report. In all of this is seems the most impossible task is making all 3 bureaus read the same thing. K gonna go pull some more hair out. Roxie P.S. Let me just add that these acct. transfers were not done by us, this is something that was done without us even knowing until we got a letter in the mail informing us it had been "done."
  22. Yea Doc I am using Lexington now. I am finding them useful because I get tired of writing the darn letters and remembering who needs one and etc. etc. Seems like there is no easy way. It is all just a big pain in the patoot. Roxie

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