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Sergio SPL

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  1. I ended up defaulting on a car loan and credit card 4-5 yrs ago, wondering if anyone know when I can use my checking account again. it’s been just sitting with zero balance since I was afraid they would just pull the money out to cover their losses. any help or advice would be appreciate.
  2. That’s correct. CA rent is ridiculous
  3. Taxes, child support and spousal take 2/3 I’m left with 2800-3200. Rent 1700 ( spilt rent of 3400) utilities 250 car insurance 115, phone 100. Factoring in gas, food and a little something to feed the kids and take them to the occasional movie, I’m left with 200-300 hundred a month. Trust me. I wish this wasn’t the case
  4. Hey guys. Well after rebuilding my credit and staying on the right side of things, I’m sadden to say that I’m in a pickle. This time it’s due to a messy divorce. So after the temporary orders of child support and spousal support let’s just say I’m barely left with enough to eat. It’s been since about December 2015 and all of my account have been closed and most charged off. Accounts include... NFCU :-( Amex Capital One Chase Bank of America Merrick Bank Target Macy’s GM Financial American Honda Financial All totaling about 30-35k in credit card and about 40 in car loans All my reports are frozen and I don’t get many calls anymore, about 1 or so per day. I do receive corresponded but nothing too bad. I haven’t been threatened by legal action. I have a good speedy job in the mid 100s but after the child support and spousal support it doesn’t leave me much, I can’t even afford a car payment. But my question is , when should I start attacking my report again? Should I wait since they are all within SOL. Really don’t want to rock the boat Sorry for the typos, doing this on the app :-) Thanks in advance
  5. Sergio SPL

    NFCU AU

    Hi, does anyone know if I can add a AU to my credit card with Nfcu, that previously had a credit card with them that was charged off? Thank in advance
  6. Yes I will submit an app for Marv It's a bit complicated doing it from my iphone
  7. My lease is up so I'm going to turn that one inOk.. Have your scores changed since getting the current lease?Since then I had a few CO removed , I world say it's gotten betterAt that time I believe it was 715 EX auto enhanced Do you guys know what CP they use? Do they use auto enhanced as ? So your auto enhanced was better then your fico.. I'm sure they have their own enhanced scoring model. I would tend think that two open auto loans may bring that down just a little. And of course the car is for you right? Yes the car is for me Just didn't want to waste my time at the dealer if it wouldn't be possible
  8. My lease is up so I'm going to turn that one inOk.. Have your scores changed since getting the current lease? Since then I had a few CO removed , I world say it's gotten better At that time I believe it was 715 EX auto enhanced Do you guys know what CP they use? Do they use auto enhanced as ?
  9. My lease is up so I'm going to turn that one in
  10. I'm looking it get a new lease EX: 638 EQ: 649 TU: 659 145k income 2 current auto loans with NFCU both never late 1 lease with American Honda What do you guys think ?
  11. Read 10 pages back. Got it , thanks Sent from my iPad using Tapatalk
  12. J. Crew?Yup J.Crew. I tried the others with no luck but I recently got an increase on the others about a month ago. I got am email for each increase. This was the last one: Thank you for your interest in a credit limit increase for your J.Crew credit card account. Your current credit limit is $5,000.00. We are reviewing your information, and we will contact you by mail within 7-10 business days regarding the status of your credit limit increase. How long have you had the account
  13. I just got declined with NFCU for an additional credit card, of course they pulled EQ EQ score on denied letter was 681 8/12 MyFico SW shows score of 638 and hasn't changed at all this month What's with the difference ?

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