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tobi

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  1. Back when I was stupid and desperate (honestly not long ago) I walked into a dealership with Cap One pre-approval letter for up to $30,000 at 5% with 0 down.... Walked out with $18000 car at 20% and $1500 down and about 8 new inquiries (I got screwed) so the letter from Cap One means nothing. Sent from my SM-G950U using Tapatalk
  2. Done.... Refinanced at 5%. Not the prettiest but saving over 12000 and cut a year off the loan. Sent from my SM-G950U using Tapatalk
  3. EQ score 668 TU score 676 Sent from my SM-G950U using Tapatalk
  4. Credit Application: Your Age: 49 Your Equifax Credit Score: Your Experian Credit Score: 691 Your TransUnion Credit Score: How long have you been on file with the CRA?s? 11 years Previous Automotive Credit History: Do you have an open auto loan? Yes Will this loan be a trade-in? No, refinance Number of late pays within the last 12 months on the currently open loan? 0 Number of late pays within the last 13-24 months on the currently open loan? 0 Current open auto loan is financed with? Santander Current open auto loan payment is? 560 Estimated amount you may be upside down in this vehicle? Unknown Rate your payment history on this open auto loan from 1-10 (10=BEST) 10 Revolving Credit History: Total number of revolving accounts? 3 Total percent utilization overall? 15% Your Information: How long at residence? 1 year Rent/Homeowner/Live with relative? Own How long at current job? 1 year, self employed Total Provable MONTHLY GROSS Income? 5200 Provable via computerized paystub or what method? 2017s 1099, bank deposit history Your Downpayment in CASH: Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE Input. Na Does any credit repository contain any Public Record? Is so, please describe. Dismissed BK filed July 2015 Does any credit repository contain any Collection Account(s) If so, please DESCRIBE. EQ shows a $71 utility collection DOFD October 2011 New or Used Vehicle you are considering; please describe: 2008 Toyota tundra TRD crew cab 4wd 90,000 miles excellent condition (we already own this but need to get out of Santanders 19% interest.) Your creditworthiness on a scale of 1-10 with 10 being the best: 10 OVERALL credit: Installment Credit History: Snap on credit open since 2006 no lates Revolving Credit History: 3 cards (2 cap 1 and AU on spouses Amex) open since July 2016 no lates Sent from my SM-G950U using Tapatalk Balance owed on the tundra is about $21000. Sent from my SM-G950U using Tapatalk
  5. Years ago, yes. Today not so much. So many hospitals and Dr offices now fall up under large medical conglomerates. The care is still compassionate, but the billing, not so much anymore.I have actually been given that advice before. Been told, "Go in there and tell them you can pay $5 a month. It doesn't matter what you can pay. As long as they see you are trying to pay." I suppose, as mentioned, that this was also once upon a time and far far away. How quick are they to spit things out to (usually uncollectable) collections? [emoji38] I work for a physicians office and as long as you are making some regular payment I will not forward your account to the collection agency. One patient in particular started with a balance over $3000...$5/month later she has it down to $2000...but as long as she is making an effort it's all good. Now, if you ignore my calls or lie to me, it's 3 months and out of my office. Sent from my SM-G950U using Tapatalk
  6. Mine are all gone. Sent from my SM-G925V using Tapatalk
  7. My first Amex! Sent from my SM-G925V using Tapatalk
  8. Denied for the cc... They pulled TU (609)...I will try recon when I get the letter. Now I'm scared to try for an auto refinance. Sent from my SM-G925V using Tapatalk
  9. tobi

    Will NFCU pull EX?

    From what I see in credit pulls database, they rarely do, I'm just wondering if they will if pushed to. Sent from my SM-G925V using Tapatalk
  10. Hi all. I feel like we have about beaten NFCU to death, I just have one last question. I'm all but in, they are verifying my identity and address! I'm planning to apply for a cc and auto refinance once I'm officially official. My current scores are TU 606, EQ 633, and EX 659. They have already pulled TU for membership, if I now freeze TU and EQ, will they pull EX for my future applications or just outright deny me? Sent from my SM-G925V using Tapatalk
  11. They told me the opposite last Friday. Pending apps were to be denied. Sent from my SM-G925V using Tapatalk
  12. After insurance is billed giving discounts is a violation of their contract. That is not to say that it is never done but it is a violation. Sent from my SM-G925V using Tapatalk
  13. Yep... My app was pending as of yesterday. Today I called to check and was told that an email went out at 130 officially closing the link. Sent from my SM-G925V using Tapatalk

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