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boxcomp

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  1. Marv, I have an updated application. A lot has changed on my file over the past few weeks. Would you please let me know if it's time or if I should wait a little longer. Credit Application: Your Age: 37 Your Equifax Credit Score: 593 Your Experian Credit Score: 636 Your TransUnion Credit Score: 605 How long have you been on file with the CRA?s? 13yrs Previous Automotive Credit History: Do you have an open auto loan? No Will this loan be a trade-in? Number of late pays within the last 12 months on the currently open loan? Number of late pays within th
  2. Hi Marv, me again. I notice on my TU credit report that when GM Financial did their last inquiry, they pulled info from CoreLogic, Chex Systems, and something that gave them my local real property information. Is this normal and do other common lenders do this as well? I thought they just pulled the credit bureau.
  3. This explains a lot actually. Thanks for the advice.
  4. Thank you for the quick reply. I have an operating business that's 15 years old with a small amount of decent business credit reporting to Experian (about 5 tradelines). Will this help me in any way? Will I be slaughtered on the interest rate with these scores?
  5. Marv, thank you for taking my app. My credit is questionable but I'm needing to get into a truck as quickly as possible. Credit Application: Your Age: 37 Your Equifax Credit Score: 527 auto8 506 Your Experian Credit Score: 544 auto8 555 Your TransUnion Credit Score: 583 auto8 487 How long have you been on file with the CRA?s? 13yrs Previous Automotive Credit History: Do you have an open auto loan? No Will this loan be a trade-in? Number of late pays within the last 12 months on the currently open loan? Number of late pays within the last 13-24 months
  6. Problem is that the first dealer won't give enough for my trade. They are 3000 off. they just ran a credit app for the new truck, no trade. If I get the judgement off and my score goes back up above 620 and I reapply are they likely to decline because of the 6 or so inq that have been added from this or because of the previous app? Is it worth trying?
  7. Hi Marv, I have another question. The new dealer did a credit app for the same truck, but we had to add a little in for my trade and sales tax. The total came to 35,409.40 to be financed. In the mean time, while we were working on this deal, a small claims judgement for ~$200 was reported on my credit and dropped my FICO from 626 down to 619. (I can get rid of this judgement but it will take some time) Now GMAC is saying no and Chase said max of $22,000. Is the drop from 626 to 619 to blame or did the higher amount kill the deal?
  8. Would the same lenders pull another hard if I applied in the next few days?
  9. I was looking at a new Chevrolet pickup Friday and the dealer put in a credit app for me and it came back with multiple approvals. The amount was about $32,000. The best was 72mo @8.95% w/0 down. Not sure who this was through but I know GMAC also approved but at a little higher rate. My credit was pulled by Bank of America, GMAC and Chase. My question is if I end up buying at a different dealer will my approvals be good there or will they have to do a completely new app? Also would they pull another hard inq. if I applied at a different dealer and possible for a different vehicle/amou
  10. Sent first 2 for after SOL accts. Result: Collection accounts marked closed w/open date of 1/1/0001. Should they have deleted?
  11. OK one more question. If I have a few other HIPAA disputes to do involving other CA's, should I do those at the same time or wait? In total I have 8 HIPAA's to do with 5 different CA's.
  12. I am doing this process again and I have one more question. If there are 2 accounts on my report from the same CA but difference OC and both are past SOL should I dispute both at the same time, or do one at a time?
  13. The TU entry is gone! I haven't received a response in the mail yet but noticed on CCT that it's gone. Thanks why chat and everyone!
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