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kforde

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About kforde

  • Birthday 01/19/1985

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    City of Wind
  1. your Age? 33 Your Equifax Credit Score? 705 Your Experian Credit Score? 704 Your TransUnion Credit Score? 715 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? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? N/A not using as a trade Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 75% (should i pay down? first) 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) 5 How many of your revolving accounts are known subprime credit cards: 0 YOUR PERSONAL INFORMATION How long at your current residence? 2 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $1850 How long have you held your current job? 5 years Your total provable monthly gross income is? $15,000 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.) $16,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 Buying 2019 Dodge Ram ordered direct from factory.
  2. Is there any specific law that this breach can be referenced to in any case law? Beyond say negligence or gross negligence which I dont think that technically would apply here.
  3. Wish i knew this...i actually settled out of court with Verizon because I was told by a rep that Verizon did SP's and instead made a HP on my EX I reached out to the Exec Office and they cut me a check for the HP had I known they pulled Sagestream too I would have double my ask.
  4. For sure! as i stare at your perfect scores in awe lol...one day. I actually used the gogo passes when I went to vegas and LA when i first go my amex bus plat. So the more I can get the more I like. And they expedite the card to you 2 day shipping for free, me like.
  5. Update: 1/2 Business Credit Cards Approved $19k limit. One left should have an update by end of day and I am going to assume that I also will have $19k on that one as well.
  6. Hey All! Long time no chat (or complaining on my end lol) just wanted to share some good news and experience I had with the new US Bank Altitude Reserve Visa Credit Card that was released a few months ago to supposedly be the Chase Sapphire Killer. So I have 4 business, 2 personal and 1 savings with US Bank and I knew when my score passed 720 I would apply for everything at one time to minimize the inquiries. Last week myFico gave me the greenlight when I saw my score hit 730 on TU. Headed to the bank after calling my banker and we sat and did everything. First off I was hoping to get the $100k line of credit with the Business Cash Manager however you must have 6 months under your belt with the account at US bank so in 2 months I will be back for that. So we start with the altitude card, initially it showed that it was pending then she exited the system, got back in and boom instant approval at $25,000. So then we move to the Premier Line of Credit, this was more tricky, the system denied it but it was because an old account was still showing that had not be reconciled so they need the branch manager to sign off that this was an error and once that is done, boom approval $25k. Then we head over to business. Started with my parent company did the cash rewards, that took 1 day to process and was approved at $19k, so I then app'd for 2/3 of my other businesses for the same card we are supposed to get a decision today although I am pretty confident based on the current results. This was all done with just one inquiry! US Bank has slowly become my new favorite after the issues I had with Chase (although I still miss you Chase lol) screwing my account up, overall I very happy with the generous limits they have provided for sure. Happy Humpday everyone!
  7. Damn I was hoping I squeezed through somehow lol
  8. Been awhile since I updated...my reports are all clean no baddies remain...just need to get my UTL back down to zero and I will be well in over the the 700s so yay to that and BIG thanks to all that gave advice, suggestions and info that got me here. I just bought a new car that I didn't have much trouble getting approved for and I can only think back to the first car note I had where I was force fed a 36.6% interest rate for a 6500 car... Anyway the main question is pertaining to my Amex cards...so my dad made me an AU back in 2008 on his Gold Charge card...but when i was able to add the amex cards to my own profile a few months ago it was well past the time were the backdating was working...or so I thought. So i was chatting with a rep online because the due date and statement closing date and the statement balance and total balance stuff was confusing the HELL out of me (still is because i keep getting conflicting info on what is due and when) anyway, the rep goes "thanks for being a valued customer since 2008" im like...uh ok yea no problem. Then today I remembered it and logged and it def says since 2008. Good evening, Kris Member Since 2008 So does this mean that backdating is still working?! None of my amex account have actually begun reporting to my credit reports however if they do and this goes to 2008 these 2 amex cards would be my second oldest which would do wonders for my AAOA. Anyone with the knowledge of Amex please chime in here!
  9. Hey just a update, thanks to DallasLoanGuy and Brian B...taking your advice/criticism (lol) to heart and putting the home search on the back burner for a year while I get my house in order...so just wanted to let you two know that your info was not going to deaf ears, I just didn't want to believe that there wasn't a work around if I just paid everything due and had to the money to cover whatever the costs for the house would be. Anyway thanks again for the info & advice *cheers Sent from my iPad using Tapatalk
  10. To Brian and Tom, Let me be clear maybe my brash tone is getting misunderstood...I am fully aware that I have been flying under the radar for years...I have never said I have no issues paying taxes..i am not saying I am only paying taxes to get a mortgage...im simply saying that I have waited until I was ready to make a mortgage...initially I was waiting to pay taxes when I had a million in cash...trust me there no attempts at hoodwinking underwriters or skating or skirting the laws...if that was the case I could have someone make some bogus pay stubs with a bogus company and get the loan that way as i know plenty of people that do it...I have integrity. If I was going to commit mortgage fraud I wouldn't be going through as many hoops as this seems to be. I simply wanted to know the best route to take which is why I listed each issue in order, it wasn't about me not hearing what I want but there were assertions being made that I felt i needed to address. Also remember I a licensed real estate broker im not going to burn my license to buy an investment property or any single property. Also you gave good info Brian in your last response, I only thought they asked for the last 2 years however it seems they pull everything if you are saying that transcripts show that I have unfiled from 2009-2013 so I will need to file for those as well. I've not once asked to coached or helped with a way around things...I simply wanted to know the easiest route to take with my situation, i think because you two work in the industry you are taking things personally as you assume and think i am trying to get around things as people have in your experience. It seems the easiest route to take based on all the info is 1. Declare income from 09 to 15 and get taxes up to date. 2. Get records for business profits and just start issuing myself a paycheck as if i were working for a regular company. 3. Keep seasoned funds in account for 2 months minimum. Is that correct? Remember guys we are in the same industry agents work hand in hand with brokers/bankers, i simply didnt want to waste time and be inefficient in my efforts of getting things in order. Make sense?

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