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Male Nurse

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About Male Nurse

  • Birthday 12/28/1979

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    DFW, TX

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  1. Credit Application: Your Age? 38 Your Equifax Credit Score? 600 Your Experian Credit Score? 720 Your TransUnion Credit Score? 700 How many years have you been on file with Equifax? 10 How many years have you been on file with Experian? 10 How many years have you been on file with TransUnion? 10 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes - 72 month loan, will have it paid off in full in 36 months through GM Financial Will this open auto loan be a trade-in? Yes - Nearly paid off or paid in full at time of trade. How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? GM Financial Your current open auto loan payment is? Loan - $631 - I pay $750 monthly and am about to take it to roughly $2k/monthly to knock it out. Estimated amount you may be upside down in this vehicle? Currently close to even at 22,000 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 10% 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) 0 YOUR PERSONAL INFORMATION How long at your current residence? 12 months Do you Rent or have a Mortgage, or Live w/Relative or Other? own Your Monthly Rent or Mortgage payment? $2400.00 (my wife pays 1000 of that so $1400 is my part) How long have you held your current job? 1 years Your total provable monthly gross income is? $10,000 - $10,500 (varies with bonus) Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $5,000 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 - Currently 1 medical collection on all three - trying to get it removed. If yes, please very briefly describe. 1 medical collection on all three. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 **** Possible issue - have an account that was repo'd and charged off 5 years ago and has now been settled with Ally financial **** New or Used vehicle you are considering: Please very briefly describe. New - Lexus GX 460 - Approx $52k - 62k (depending on which model)- Will have $5k in cash plus my trade will be worth around 15-18,000 at time of trade.
  2. Yeah in grad school - the amazon card ended up buying quite a few text books lol
  3. Have a couple of old baddies holding me back for a little longer. My last 30 day late is over 18 months out (total accident i keep kicking myself over).
  4. Got a lump sum of cash today and took my nearly maxed cards down to zero balance... all estimators (including FICO) show this should boost me to around 680/690 on all three. Trying to get a house this fall and I hope this will get me there.
  5. Finally got around to filing with CFPB today - I'll report any results....
  6. So I've been fighting with Experian for a few months now. I bought a car back in may - I was able to have my credit report pulled just fine, but after getting the car I started having issues. I applied for a mortgage shortly after and they weren't able to pull my EX report, but could pull my wife's just fine. I called EX and they were certain it was on the bank's end (even though they pulled my wife's report) b/c everything was fine on my account. They confirmed I have no block or freeze in place. It ended up taking so long the house sold before I could get it straightened out. A couple of months later we try again - same thing... different lender. I called back - same story. Even spoke with someone in special handling. They could see my report (gave me a report number and I could access it too online with that number) and said nothing was blocking it on their end - must be the bank. Again - different bank and they could also pull my wife's report. Now I noticed I haven't received any transunion monitoring alerts on EX since 5/9 (and I've had new accounts show up). I have been unable to view my report online through the adverse action portal or through the online dispute portal. I was only able to view it online once with the report number they gave me. Nobody can pull my report. I can't get a myfico score through myfico or a fake one through transunion monitoring. I'm out of ideas. They have something screwed up in their system on their end that they cant see that is preventing everyone from pulling my report/score.... this is preventing me from getting a mortgage or any credit that uses them. Can anyone please offer any tips/suggestions to get them to figure this out? It's getting ridiculous.
  7. Just got approved for a 1k limit Barclay's NFL points card... I originally applied about 6 or 7 weeks ago. They sent a letter asking for more info (fraud alert) but it was lost and I didn't see it until this weekend. Called them this morning to see if it was too late... they repulled on the phone and approved me for the card. Should be here Friday That's great since Cabela's closed me due to a jacked up equifax report (still considering bringing a suit against them). My FICO TU is somewhere around 650 with a 3 year old repo, a medical collection, and my last 30 day late was January.
  8. Yeah I'm not a fan. This new loan is at least through GM Financial... so it will rebuild a history with them/Ally since they're somehow linked I think.
  9. Omni -my Equifax Fico Auto was a 575 (thats what GM pulled).
  10. Breeze - thanks for the story! Yeah - it seems trucks also hold their value more - at least here in Texas. Everyone seems to have a truck. I will keep my driving way less on this one than I did the last. Any major trips will be in a rental... I've always heard good things about the Silverado so hopefully I got a good one!
  11. Mendelssohn - the loan is financed for 72 months. There is not much negative equity rolled into the loan - the dealership took a loss (reimbursed by GMAC of course) to make the deal work. They took a 35,000 truck down to $30,500. I was upside down 10,800 actually (just checked last night and they bumped my trade in up - i didn't realize it) then I put 9,000 down so I was only negative 1,800 going in. They had to add in the extended 5 year B2B and Gap (which I wanted anyway) and the drive out was 33,260ish which was still 1800 under msrp. The reason I was so upside down on the last was due to extremely high miles. I had 94,000 miles on a car that was 3 1/2 years old. I had to drop it before it broke the 100,000 mile mark and would be worth even less. I'd also lost my job at one point and had to push a few payments to the back of the loan which hurt as well on the payoff.
  12. Yeah the interest blows... It's still better than what I had at 11.5%. I have a repo on my history that will be there for a few more years. It dings my auto fico hard, of course. Lack of options.
  13. I was driving a car that I had to get co-signed and financed through Santander about 4 years ago... 11.5% interest rate was eating me alive. I was upside down $11,400 due to high miles and the fact a Dodge Journey doesn't hold value as well as some other cars. I went to my local Chevy dealer yesterday and after a lot of work on their end to chip the price down to financing requirements.... I was able to drive off in a 2016 Silverado 1500 Double Cab! I ended up with 10.9% interest (I know it's not great but I plan on a refi in about 18 months) with no co-signer and my payments only went up by $30/month. Here's the link to my info in the auto forum if anyone is interested: https://creditboards.com/forums/index.php?showtopic=313924&p=5472306
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