Jump to content


  • Content Count

  • Joined

  • Last visited

Contact Methods

  • Website URL

Recent Profile Visitors

204 profile views
  1. I am in a bit of a unique situation. My employer is closing the location they have in the city I am in but is offering to transfer me to another state and promote me as part of that. The new city would be great as it is a place I have always enjoyed and we could purchase a larger house(which we need) for the same price as our current home. My initial plan was to rent the current house after we move. I have spoken to a property management company and they said for the area we are in it would not be a problem to sign a lease that does not start for 4 months as long as we throw something in like letting the tenant pick the paint for each room or a free barbecue grill. We also had to file for bankruptcy a few years ago and the current house was included but not reaffirmed. My question is this, would it be better for my new loan if I have a tenant sign a lease for the old house and count that as income to offset the old mortgage(renting it would likely be 1.5x my current mortgage) or have the old house as not a liability at all on the application because it was discharged?
  2. I will file those complaints. I did not receive any statements and we did update the address when we closed the account. This account was opened and closed in Arizona(Arizona Federal Credit Union is the old CU). We now live in New Mexico.
  3. the checking account was closed in 2009 when I moved out of the state(it was a local credit union). They claim an ACH came in 2013 which reopened the account and charged an NSF which created a negative balance and is what was reported. They wont remove it. I disputed it twice with ews to no avail. I was only made aware of this a few months ago. First dispute was as obsolete which failed. Second was account status and date of last status change was inaccurate. after ews claimed it was I contacted the credit union which is how I found out the scenario. They refuse to delete it or a pay for delete. My wifes Fidelity account had our new credit union and the old one and it appears she did a transfer from the old one back in 2013 but after so many years I don't see how they should reopen an account to charge an nsf but thats why I said I feel it is bogus. I didn't realize this happened until just recently and she thought since it was an old closed account that she didn't need to do anything other than remove the info from Fidelity. While the nsf is our fault being so long after it was closed.....
  4. I have an EWS entry from 2013(that entry I feel is bogus but I have not been able to remove it) I need to open a business checking account and would like to go with Bank of America. My chexsystems and credit is clean EWS is my only issue. Do they check EWS? If they do I am considering Axos Bank or Radius Bank, does anyone know if they check EWS? Thanks!
  5. 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.
  6. opps I cut off my age when I copy and pasted the form i'm 34
  7. 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!
  8. Thanks for the advice everyone. I sent a PM to JeffeVerde to see if he still has the info.
  9. 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
  10. Thanks for the info and the jack attack method looks great
  11. 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?
  12. 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...
  13. 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
  14. 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

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information