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obsidian

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  1. obsidian

    New Mexico Bank/CU

    Does anyone have a recommendation for a bank or credit union in New Mexico that does not run EWS? My chexsystems report is clean I just have a hit on EWS.
  2. obsidian

    App for Marv

    opps I cut off my age when I copy and pasted the form i'm 34
  3. obsidian

    App for Marv

    Your Equifax Credit Score? 693 Your Experian Credit Score? 681 Your TransUnion Credit Score? 739 How many years have you been on file with Equifax? 14 How many years have you been on file with Experian? 14 How many years have you been on file with TransUnion? 14 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? N/a How many late pays within the last 12 months on the currently open loan? N/a 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 Your current open auto loan payment is? 0 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) N/a YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 0% (all cards are paid off) 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) 1 YOUR PERSONAL INFORMATION How long at your current residence? 0 years (just recently closed on the house) Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? $935 How long have you held your current job? 6 years Your total provable monthly gross income is? $5500 Your provable monthly gross income is provable via what method?. $2300 computerized paycheck stub and $3200 self employment(bank statements/profit and loss) Is there additional monthly income? What amount monthly? No 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? $0 I wish I could do a higher but with just closing on the house I maybe could put $1000 in if needed in addition to the trade in value will be trading in a car that kbb gives trade in value of 1000-1400 on the low side(fair, car should be in good condition I think but went with fair for the lower info) Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 0 (I have no installment history other than the recent mortgage) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 no lates or anything on any of my accounts New or Used vehicle you are considering: Please very briefly describe. New car either dodge charger or chrysler 300 Would I qualify for a car loan? Assuming I do what are my odds of being able to get any special financing rates? chrysler I believe is running 0% on both of these but I have a feeling I won't be able to get that. Also what dollar amount may I end up qualifying for? Thanks!
  4. obsidian

    account listed in dispute

    Thanks for the advice everyone. I sent a PM to JeffeVerde to see if he still has the info.
  5. obsidian

    account listed in dispute

    I have an account listed on my credit report with Experian that is listed as account in dispute. It is an old collection. I have a preapproval for a mortgage but they want that status changed before closing. Should I try sending something to the collection agency to get them to change the status or send it to Experian? I could have sworn I have see this on CB before but searching through CB I could not find the thread
  6. obsidian

    how many disputes is too many?

    Thanks for the info and the jack attack method looks great
  7. obsidian

    how many disputes is too many?

    I have two collection accounts which are reporting on all three credit bureaus which I am going to 1-2 punch. Experian however has a third collection. Is it fine to go ahead and dispute all three at once with Experian or should I try to spread this out?
  8. obsidian

    Grainger App?

    Did you ever find the app or speak to someone to setup an account? I was looking at the same thing. May need to call them tomorrow I guess...
  9. obsidian

    Is mca still around/active?

    Yes I am still around.. not as active due to some health issues but I am glad to help you try to take care MCA We all miss you
  10. Yes. Do you know if they check it if its just a straight savings/cc? I have an old 4yr chex entry and don't really want to wait a year for the secured card
  11. Have you heard back from them on this yet?
  12. obsidian

    Check ordering

    Any check printing service that is part of Deluxe reports the orders to chexsystems. checks-superstore.com should be a safe place but Delexe is trying to buy check printing companies all the time.
  13. obsidian

    To Pay off Sooner or Not?

    mk is right if you can get a better rebate go for it. Although I have seen some rebate and apr combo deals as of late. If you stick with that long dont pay it off early. Put it in savings and enjoy the 0% interest.
  14. obsidian

    Vendor Threating To Contact Our Customers

    No they don't. They have no agreement with the receiver and receiver has no legal obligations to make payment to the third party company.
  15. Hi Mark, Did you ever find a bank that would do a business secured card? I could use that myself. I am considering CSI now but I am just not too sure about them.

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