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luckie clutse

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  1. Advice needed: long story short I bought a home in 2017...the builder sold me a lemon...and by November 2018 I HAD to move...I’m suing them however, I had to file chapter 13 bankruptcy in January 2020 to get rid of the home ...I had very little debt at the time of filing and now I want to rebuild my credit..thing is apparently they haven’t foreclosed and ppl still call me about buying the house....this has been a nightmare! I feel the foreclosure and Chapter 13 BK is unfairly on my record...Do you have any suggestions?
  2. I meant could you help him lol But ok I will tell him No, sorry, I'm only on here to try and give a little advice.ok thanx...sp just tell him to go to the dealership...try to bring more down and be prepared lol gotcha
  3. I meant could you help him lol But ok I will tell him
  4. I'm in Texas what's the next move?
  5. No...I was going to suggest that by he applies to have financing done before arrival
  6. Marv this is my brother's app and yes he gets commission. Bigpoppa he needs a car badly. I told him to wait and lemme run it by you guys. He rushed and didn't follow my directions and applied at his credit union Smart Financial and got denied. I explained to him he needed to lower his utilization....and at best possibly get an acct with Santander(horrible I know) then refi with United Community Credit Union if possible.Flagship Acceptance may fund....not sure. He gets pre-approved offers for auto financing with Cap1, wasn't sure if it was a viable option....thoughts? Btw its commission plus salary
  7. Your Age? 35 Your Equifax Credit Score? 617 per myfico 5,4,2 582 FICO 8 618 FICO 9 Your Experian Credit Score? 602 FICO 5,4,2 598 Fico8 554 FICO 9 Your TransUnion Credit Score? 574 FICO 5,4,2 577 Fico8 556 FICO 9 How many years have you been on file with Equifax? About 18 years How many years have you been on file with Experian? About 18 years How many years have you been on file with TransUnion? About 18 yrs YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO 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 but have a repo from 2014 How many late pays within the last 13-24 months on the currently open loan? None 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? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 5 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 2 Total percentage utilized overall? 87 How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? 2 How many of your revolving accounts are known subprime credit cards 1 (credit one bank) 1 cap one 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? $700 How long have you held your current job? 1.5 years Your total provable monthly gross income is? $4000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystubs and Bank Statements Is there additional monthly income? No What amount monthly? Describe the source. Sales rep Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? 1500 Does any credit repository contain any Public Record? 0 If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. Lvnv funding $859 Reliant $115 5 BOA Student loans in collections Just completed garnishment...currently going into deferment in August 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) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7.5 New or Used vehicle you are considering: Please very briefly describe. Used 2015 Jeep Compass $13970 39696 miles
  8. Get your 3 Reports from the CRAS 12 year old judgements shouldn't be there and get your Fico 8 scores from here for $1 https://www.creditchecktotal.com/ I have myfico and it doesn't appear there.But I will sign up. Is idg good? I wouldn't use it the scores they provide are Fako.thanx
  9. Get your 3 Reports from the CRAS 12 year old judgements shouldn't be there and get your Fico 8 scores from here for $1 https://www.creditchecktotal.com/ I have myfico and it doesn't appear there. But I will sign up. Is idg good?
  10. Question: I signed up for identity guard and saw I have several civil judgement filings (in Michigan) I wasn't aware I had still showing. They are now over 12 years old....are they supposed to fall off? Are they even still there? Should I write a letter to remove? Are they still collectible? Lastly, are the 3 scores on idg FICO 8? (All my credit reports recently acquired never mentioned I had a public record/judgement...)
  11. Well Brian I closed on my home June 22nd here in Texas. If it wasnt for your insight I couldn't have done it. You've inspired me to become a mortgage broker and I start classes soon. Thanks for everything...
  12. yes DallasLoanGuy. Good news though it's now paid and I got my letter today and my student loan letter. The student loans got reduced by 300 dollars and my secured credit card with fnbo went unsecured today! Yayyy! Theyou were trying to get my score up for TESHAC and now they are....as well as I get the MCC tax credit...I'm going to get a new build already existing is the plan...so all closing cost will be paid...
  13. I paid by debit and I have a receipt. How did you pay, and by any chance did you get a receipt? yes mof, I'm on the phone with them now and they refuse to give me a letter....but said I can get a print out showing I paid...the mortgage guy said a receipt won't work

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