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About david_weaver

  • Birthday July 9

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    Seems lately my only hobby is credit repair :)

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  1. In my personal experience, they will not budge. I had the same sign-up a few years back followed by an even better offer a few months later. I called, chatted online, sent emails. All politely declined. Sent from my iPhone using Tapatalk
  2. Both GM Financial and the dealership pulled EQ, which surprised me. I have a question though: In the last 6 years, I have leased or purchased 5 new vehicles. I leased a Nissan Rogue which I kept for the 3+ year term and returned it when I purchased a Buick Encore in January 2017. I purchased a Chevy Cruze, which I had for two years before trading on a Buick Enclave I kept the Enclave for the entire 3+ year term and turned it in this week to lease a new Buick Enclave. So in the last 6 years, I have nearly 12 years (typically two vehicles at a time) of perfect payment history, with experience both leasing and owning. Due to credit card utilization, my FICO is right around 700. My Auto8 FICO was 639, and if I recall, this is higher scale, so even worse than a 639 would be on an 800 points scale. So my question is, how could my auto score be that much worse than my standard FICO score given that I have so much positivity in my report regarding vehicle purchases and leases?
  3. Credit Application: Your Age? 34 Your Equifax Credit Score? 699 Your Experian Credit Score? 686 Your TransUnion Credit Score? 665 How many years have you been on file with Equifax? 15 How many years have you been on file with Experian? 15 How many years have you been on file with TransUnion? 15 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes (1-yr old loan and expiring lease) Will this open auto loan be a trade-in? Loan-No, Lease-Yes 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? Loan – Huntington, Lease – GM Financial Your current open auto loan payment is? Loan - $335, Lease – $655. Estimated amount you may be upside down in this vehicle? Will owe approximately $3,000 for mileage overage and tires 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? 21 Total percentage utilized overall? 60% How many of your revolving accounts are store cards? 5 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 16 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? 30 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Own Your Monthly Rent or Mortgage payment? $1220.00 How long have you held your current job? 3.5 years Your total provable monthly gross income is? $10,000 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.) $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)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 (only not a 10 due to utilization) 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) 10 New or Used vehicle you are considering: Please very briefly describe. 39-month Lease ending on 2015 Buick Enclave. Would like to replace with a similar lease on 2018 Enclave or would consider purchasing a 2018 Enclave on 72-month loan if easier approval than another lease and payments could be kept similar to current. Thanks...
  4. What FICO version does GM Financial use? Thanks!
  5. ??????https://www.thrillist.com/drink/nation/how-to-make-prison-wine-how-to-make-pruno ?????? Sent from my iPad using Tapatalk Actually, both are. The one on the left has been busted with firearms they aren't supposed to have multiple times. Snoop was convicted of felony drug possession and felony intent to sell in 1990. In 2007, he pleaded no contest to felony drug possession and possession of a firearm by a felon (also a felony). He received a three-year suspended sentence, five years' probation, 800 hours of community service (400 of which could be operating his OWN youth football league). Martha Stewart avoided $45,673 in losses by her broker tipping her off to sell a penny stock. She was convicted of three felonies (conspiracy, obstruction, making false statements). She received a sentence of five months in prison, and two years of supervised release. She paid a fine of $30K, paid back $58,062 (the amount she saved, plus interest) and an additional fine of $137.019 (triple the amount she avoided losing). She was also banned from being an officer of a company in any role that pertained to or impacted financial reporting (which is almost all) for a period of five years. So to be clear, a two-time felon repeated his offenses AND had an illegal gun, and was sentenced to teach kids to play football. A billionaire with no criminal record avoided a $30K loss and then lied when she got caught, and went to prison and could not work any longer at a job that had nothing to do with the crime she committed. Only in America.
  6. I don't know if you have some scheme in mind, so cannot speak to the specifics in that regard, but in the general sense yes you can. For example, the $20 rebate from Staples this week is in the form of a VGC. If I buy a $500 VGC at Kroger, I can use that $20 VGC towards the purchase. It is also handy for draining VGCs with small balances.
  7. FICO scores update immediately with any change. Depending on your file, you may actually see your TU score go down due to these removals, or stay the same. They were so old their impact was low. If you have a newer, thin file, you may have taken a big hit to AAOA. Still a huge positive, and any step back will result in larger gains going forward.
  8. Yes, after I questioned KristofsMom in the thread (and she launched a rambling, nonsensical attack in return instead of explaining), that thread died two posts later.
  9. Yes, but nobody really wanted the product, right? You paid for the trade line, and that did not happen and likely never will.
  10. This stunk like a scam from the moment it was posted, so not surprised at all how it turned out.
  11. Walmart or a grocery store.Tried using it at Walmart today and csr saw the GC and said no way. She claimed it's illegal to buy MO with GC.Good thing that's not my regular Walmart. I have lost 2 of my local Walmarts in just the past 3weeks. Good thing going for me is I have literally 10 in a 15 mile radius. I did a 499.32 M/O at one that's not my regular and had no problem. Went back 2 days later and tried 1,000 and asked to see the cards. Walmarts policy clearly states that it has to be a pin based card with the word Debit on it. It says nothing at all having to have your name on it or it tied to a chk acct. That's what they kept telling me is it has to be tied to a checking account and that is not in there policy it's the CSR and they just got sent a email about g/c for m/o purchases stated not to do it!! I think it's just a matter of time before the system will not take it. Sucks Sent from my iPhone using Tapatalk Pro I wonder if it would be an issue with Simon cards that have your name embossed on them, even though they are still gift cards?
  12. Amen. A few years ago, DW and I were in Virginia and got lunch at Hardee's. The receipt had a line item for a "Credit Card Fee" of 75 cents. It's not that much, but it's the principle of the thing. There was no signage anywhere that mentioned the fee. Apparently, that crap is legal in VA. It's illegal in FL, fortunately. Suffice it to say we will never enter that Hardee's again, ever. I do not understand why business would break out the charge? If I buy a hamburger off the dollar menu, I am not told that 15 cents goes to labor and 25 cents to food cost and 8 cents to utilities, etc. Why would I be told 3 cents went to credit card fees? Plus, as someone noted, cash is not free. 20 years ago I was a manager at JCP. We had dozens of registers throughout the store, sometimes with multiple cash drawers at each if associates changed during shifts. There was also a 'cash room' similar to a casino cage for counting money, dispensing cash drawers, preparing deposits. That required the employment of several people. And there was the cost of Brinks picking up the money every day. And the risk of drawers being short. And interest lost due to all that cash being in stores instead of in the bank. And bad checks. And counterfeits. And scammers. These days, far more people pay with debit/credit than cash. Easier to just assume that will be the payment method and price accordingly.
  13. Mine averages 2-3 per week, so yes, easily 100-150 per year. She also gets the Citi AA (personal, she has the business) and the Citi Double Cash 2-3 per week, sometimes alternating, sometimes both the same day. I could understand if there were suddenly an increased offer they wanted to tease with, but it is the same mailer every time.
  14. I agree. What do I care if they go out of business? I want the EQ trade line.
  15. When we lived in Maine, I was stunned by how few places accepted credit cards. None of the contractors I used to rehab the house, almost none of the shops/restaurants in town, even the town (taxes, water, pool fees, sports leagues, vehicle registrations) was cash/check only. Obviously, when in Portland it was much different, as close to a big city as Mainers get. I would never pay cash or debit anymore, unless I absolutely had no choice, like a street vendor.
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