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simpleton2

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    Ohio
  1. Okay...soooo (after searching of course) I ask, If I cancel two, will it up my single card back up to $5100? (OR RATHER) Anyone done it yet? It would be much easier to keep one card alive than 3..
  2. Not dropped, just reporting accurately. 5100/3=1700. there's been about 14 threads on this (15 now)... search for kay or jared. Pardon me... I was searching other things similar "trifecta, JBR etc" Looks like I'll be cancelling two cards
  3. Kay's, Jared's and JBR.......From $5100 to $1700...obviously because I didn't use the cards enough. What can I do to get the limits back up without going into big debt? Can I make small purchases and then ask for an increase?
  4. Yea..... Right. Good luck with that one. Let us know the hospital room number, we will send some flowers and a book on how to better understand women. Nekom, Those medical debts should be taken care of pretty easy. Well, at least getting them cleaned off a report. Cell phone and 1stP....... Everyone I know has those TLs on their reports and I have never seen any of the DFs pursue litigation. Guess the best thing to do, as you know, is to get the hard copies. Maybe some of those TLs arent even really reporting. It doesn't have anything to do with understanding women. Marri
  5. Hi, I'm guessing you don't have a list of your soft inquiries to copy and paste into the counter. If this is accurate, you'd have to get that by getting access to your credit report online at transunion or equifax's respective websites. Perhaps you have been denied credit recently? Or need to file an online dispute due to something on one of your reports being wrong? If so, you can use their online forms to view your report for free one time and copy the list while you're there. Hope that helps! It does! Thanks!
  6. Still trying to find out where to get the "inquiries report text". I'll look for a sticky...
  7. APPROVING BANK: Fasson CU BUREAU PULLED: TU CREDIT SCORE: 682 CUSTOMER STATE OF RESIDENCE: Ohio NEW/USEd: Used YEAR OF VEHICLE:2006 MILEAGE:52,000 RETAIL/LEASE:Retail AMOUNT OF LOAN:$18,000 ADVANCE PERCENTAGE: TERM CONTRACTED:60 APR/LEASE RATE:4.99 MONTHLY PAYMENT:340 MISCELLANEOUS COMMENTARY My employer CU. GMC Sierra extended cab.
  8. Alrighty, I'll pay it tomorrow. Thanks!!
  9. Apparently, the lien IS for the 05 school tax. The lien amount is showing more than what they want to settle for so I guess it's good that I waited. Next question...the lien is showing only on EX and TU. EQ is clean because they screwed up and accidentally removed it while removing another If I pay this and get the release papers sent, will it then report to EQ as a paid lien? That's what I'm afraid of...it will ding my score pretty good if it shows up. Pretty sure paid or unpaid doesn't matter to the score. What would you do?
  10. I just received a letter froma collection agency for the department of taxation for state tax of $146.00 owed from 2005. I never realized I had this? It may be though...I don't have my 05 tax records handy. No lein, or collection on my reports (except an 07 unpaid state lien) it comes from General revenue corp collections. I'll verify it first, but should I pay it from 5 years ago!? I don't know much about sol stuff. Thx Simpleton
  11. Your Age? 43 Your Equifax Credit Score? 684 FICO Your Experian Credit Score? 715 FAKO Your TransUnion Credit Score? 669 FICO How many years have you been on file with Equifax? 16yrs How many years have you been on file with Experian? 16yrs 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? yes, turning in a lease. 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 current
  12. Thanks for the reply. I'll see what I can do. Thank you!! I got this lease with the same scenario (minus the separation) 3 yrs ago through the dealership, They could probably find financing for me right? simpleton
  13. I hope this is the right forum for this topic...(mods please move if you see fit.) I'm looking to buy a used truck. The lease on my jeep is up in March and am going to turn in. I was turned down by my credit union due to debt to income ratio. My fico is 660-680 range. I am seperated but I still share mortgage. I don't pay it..he does. Do I have to list that debt on my application? If I have to list his debt (due to my name still being on it) do I even have a chance at a vehicle? My house is up for sale but until it sells, it seems to be hurting me. My personal debt is nowher
  14. I applied the end of october also and they're finally reporting to experian....I need them to report to the other two! Yep, this is driving me insane. I need a score jump and would like to be able to see it on equifax. Experian Fako is only showing 10pt increase? WTH?
  15. +2 I see thanks..I did it for the Util but didn't realize the possibilities of higher limits. Cool!
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