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soldierboy

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  1. So just a quick update. my Open Sky Secured CC is reporting now. I need to pull my TU and EX FICOs, but my EQ is 680. I need to get the other scores and work on cleaning up the IIB accounts.
  2. Thanks for all the helpful advise on this card. I really appreciate the insight.
  3. Applied for the Open Sky Secured on 25 NOV and was approved. Thats a start
  4. 2500.was the amount. I did not include them in the BK
  5. Hello Everyone, So I filed for a CHP 7 BK in March 2020 and was discharged in July 2020. I IIB'ed a lot of the major banks and credit unions out there. (Capital one, discover, American express, NFCU,DCU,BOA, Penfed to name a few. I have tried to get a secured CC to begin the rebuilding process but I have struck out with everyone I have apped. My bank denied me. Cap one secured denied, discover secured denied. Hell I even tried Fingerhut in desperation to get a positive cc and they denied. Im lost on where to go from here. I do have my mortgage and my 2 vehicles with positive h
  6. is there a reason why the wife would have to be on the vehicle for a possible approval?
  7. Would need the 2nd auto for commute to work as the main vehicle is driven by wife
  8. your Age? 36 Your Equifax Credit Score? 690 Your Experian Credit Score? 640 Your TransUnion Credit Score? 686 How many years have you been on file with Equifax? 16 How many years have you been on file with Experian? 16 How many years have you been on file with TransUnion? 16 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? no 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
  9. Marv its a want. I guess I should have included I plan on trading in my current motorcycle as well. I own it free and clear. Not sure if that makes a difference
  10. Credit Application: Your Age? 36 Your Equifax Credit Score? 686 Your Experian Credit Score? 680 Your TransUnion Credit Score? 700 How many years have you been on file with Equifax? 18 How many years have you been on file with Experian? 18 How many years have you been on file with TransUnion? 18 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? No 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 curren
  11. Would rather lease but willing to buy as well. Your Age? 35 Your Equifax Credit Score? 690 Your Experian Credit Score? 695 Your TransUnion Credit Score? 691 How many years have you been on file with Equifax? 16 yrs How many years have you been on file with Experian? 16 yrs How many years have you been on file with TransUnion? 16yrs YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? NO How many late pays within the last 12 months on the currently open loan? None How many late pays within the last 13-24 months on the cur
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