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  1. Thank you shifter for the information. Yes the 9 items were actually mine. Should I call them to correct this in your opinion or is there another way to correct this?
  2. I opted out. Sent letter to TU disputing my old addresses off CRR. They returned a letter saying Re:unable to locate Credit Report. I then received a credit report with all my credit history on it. I disputed 10 items. 9 of them were removed. I tried to update my score with usaa's credit pull service and no TU showed up. After calling them they told me I have a variation in my SSN. while on the phone i took a closer look at the credit report they sent me after the address dispute, and noticed the last four of my SSN# is off by one digit. I have always used my correct SSN when applying for credit so I hung up and decided to seek help from the pros. . Not sure what to do next as all of the items removed except one was under the incorrect SSN#??
  3. Again Thank you for the advice. I will do what you mentioned and reply with the results.
  4. Thank you SBA for your response. Yes I sent a copy of my drivers license with my current address and a utility bill for address removal. They sent me back a credit report dated 7 days after the CMR they received for the removal of addresses with one collection account on the report with hard and soft inquires on it. Not sure why they still have no credit file. Do you think by updating to my current address all the negative items associated with the old addresses fell off without the dispute letter they received 10 days later ?
  5. I recently had a mortgage company pull my credit to ascertain were I was in relation to pre-qualification for a Va Loan. My Transunion score was 580 and showed 10 negative accounts. I pulled my credit also from USAA's credit pull service and the same negative accounts were showing. I opted out online, sent them a letter to remove all addresses except my current one(which they did). I then sent them a dispute letter for all the negative items listed(which they received on May 17. I just received a letter from them stating RE: Unable to Locate a Credit Report. RE: Active Duty or Fraud Alert. They are asking me to send additional verified information. Can anyone shed any light on this subject?
  6. Credit Application: Your Age? 37 Your Equifax Credit Score? 615 Your Experian Credit Score?657 Your TransUnion Credit Score?610 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?N/A Estimated amount you may be upside down in this vehicle?N/A 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? 6 Total percentage utilized overall? 18% 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) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 3 YOUR PERSONAL INFORMATION How long at your current residence? 1yr Do you Rent or have a Mortgage, or Live w/Relative or Other? Other Your Monthly Rent or Mortgage payment? $2000 How long have you held your current job? 3yrs Your total provable monthly gross income is? $6700 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Computerized paycheck stub Is there additional monthly income? What amount monthly? N/A Describe the source.N/A Is the additional monthly income provable?N/A Spousal income is not applicable.N/A YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. Three Co's from three years ago Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 6 New or Used vehicle you are considering: Please very briefly describe. Used F250 diesel $18,000-$25,000
  7. Does anyone know when it starts for sure? is it nationwide? been shopping fords for awhile now waiting for my score to go up so hopefully i can qualify.
  8. hhxx

    Amex F/R...!

    With sooo much going on with these F/R's is it even safe to apply for one of Amex's business cards? Do they F/R there business accounts? Anyone have any experience with this?
  9. Thanks to everyone hear I will be opening a company with a systematic approch to estabilshing business credt thanks to Cb. I would like to get feedback as to the pros and cons of Business Banking with a Credit union vs a Bank. Any information would be gladly appreciated
  10. hhxx


    Thanks and congratulations
  11. hhxx


    ON-MY_way When you say heavy usage, should there be a concern about 30% utilization on the card? Or is it more important to pif each month no matter what the balance is?
  12. hhxx


    Congratulations.. Thanks to CB I also was approved for Amex Delta skymiles. I was approved for $1000 online. At activation I asked for $2000 more, and Bam! I was approved for the increase.. Thanks again for all the information contained within.

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