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  1. Approved. Just bought a 2009 Malibu LTZ. no downpayment at about 13 percent. Ill refinance in 12 months but I can live with it. Thanks for you insight.
  2. I would say 600 for experian.
  3. Where can I get a score without signing up for a monitoring system? I dont believe I can get a score through FICO like Trans and Equi
  4. Credit Application: Your Age? 42 Your Equifax Credit Score? 605 Your Experian Credit Score? Your TransUnion Credit Score?590 How many years have you been on file with Equifax? 17yrs How many years have you been on file with Experian? How many years have you been on file with TransUnion? 17yrs YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? yes Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 2 Your current open auto loan is financed with? Regional Acceptance Your current open auto loan payment is? 450 Estimated amount you may be upside down in this vehicle? 0 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 8 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 9 Total percentage utilized overall? 60 How many of your revolving accounts are store cards? 5 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1 YOUR PERSONAL INFORMATION How long at your current residence? 1 year Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 1495 How long have you held your current job? 4y 6months Your total provable monthly gross income is? 7k Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) pay stub Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? 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.) 1000 Does any credit repository contain any Public Record? all three contain the same judgement. will drop dec 11 If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? 2 collection accounts. If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 6 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 5 New or Used vehicle you are considering: Please very briefly describe. Used around 20k 5 year loan
  5. I have a judgement from 5 years ago left on my cr. They want to settle the account for about 50 percent less. If I pay this off will this neg impact my situation or positively impact it? Please help. This is the only baddie left on my report.
  6. I had an offer to lower my interest rate from beneficial about a year ago to help catch up on payments. I didnt realize that they would close the credit line to do that. How negative does that look on my credit report. I would have never done it if it meant closing the account.
  7. Working on gettng credit to help out utlization. I just recently was approved for a Jared card 1650. Was denied for Hooters. Applid for a JDR card and will try out Kay also. I currently have a target, chevron and hsbc cards. All with small limits. Any other suggestions on what cards might be favorable for me to try?
  8. Im currently a month behind on a credit line I took out a while back. I moved and some things needed to get held off. I just made a payment 3 days ago but Beneficial continues to call me even though they know I cannot pay for another 2 weeks. They said they will not stop calling until I give them a check by phone. They continue to call 5-7 times a day. I hate doing a future check by phone would rather have the money in the account. Do they fall under any of the same guild lines that a real collection agency would fall under? Can I do anything at this point? All help appreciated.
  9. I recently just paid off one of my first judgement. If it gets changed to paid will this help my credit at all? Ultimately I will try and get it removed by disputing it.
  10. Maybe you should be a lawyer then George!
  11. I just applied for a lowes credit card. They gave me the 7-10 days until they make a decision. Anyone have any luck when they got this message. Also Im looking to get a new credit report. If I get denied the report I recieve will I have 30 or 45 days on my disputes?
  12. Well I checked the location of Texaco and lucky me the closest one is in lexington Ky only 200 miles away from me. Not much love from Chevron and Texaco in Cincinnati. I guess Ill go this morning and fill up a tank for the week to get the reporting going.
  13. Ok, I got my gas card in the mail about 2 weeks ago with a 300 dollar limit. Will they report even if I dont buy any gas? The only gas station is about 25 miles from my home. lol Wondering if I need to pack a lunch and head over there for a fill up to get it reporting or if I can stash it away.
  14. Ok, I am having troubles joining the group. Im having problems after I submit my personnel information paragraph on why I should be accepted. It keeps throwing me back to the login in page after I submit my request to join the group. Any suggestions? Im doing this from work and I wondering if this has anything to do with it. I am a current member of Prosper. Just cant join the group

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