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Hi Everyone, My goal was to get my Lexus however, I decided on a 2010 Acura RDX/Technology package. Sweet, sweet, sweet car. Love it!!!!!!!!!!!! I have been working on my credit only for only two months however, I decided to give it try and apply. I got it. I got 2 collections removed and an inquiry. Credit score was 585 at 12.48% but I will continue to work on my credit and refi in about a year. This site have given me the courage to work on my credit and apply for this car. I have gotten a few positive TL and I have a lot of work to do when it comes to credit repair. I am on the right road with this site. Thanks everyone for the wonderful contributions to the site.

I need help please. I financed a car approx 6 years ago with a finance company that "specializes" in helping those with unfavorable credit. So I have a high interest rate but I needed a ride. Fast forward until last year. I had some financial setbacks and a couple of slow payments, then towards then end of the year I missed a payment or two. I looked into refinancing with a credit union, and was informed that I could, but they were showing that I had made all but one payment to the finance company. So I contacted the finance company and asked how was my balance approx still at $10,000 and I've made all but one payment. The rep said, oh, well you had some slow payments, and you missed a payment. I asked if they could send me my payment history and how they calculated the amount. I didn't get anything. I emailed them twice requesting it, didn't get it. Well, I didn't make any more payments. They started repossession. They have been unable to obtain the vehicle. Now I have received a letter from a lawyer's office stating they are attempting to collect the debt. I sent them a validation request. They sent me another letter just stating what the amount was, the name of the finance company, and a partial account number. I responded requesting once again validation- in bold, requesting a breakdown of how the amount was calculated. I also requested in the letters to cease repossession and collection attempts until that was provided. I haven't received anything else from the lawyers office, it's been 30 days. A couple of days ago I received an envelope with a card that said contact this person urgently, it had a phone number, but no company name or any other identifying information. I researched the address on the envelope, it was a repossession company. What can I do? All I want to know is how they came up with their amount. I have my contract, I can't figure it out. Is there any hope? Do they not have to provide that information to me? Any suggestions or advice on what my next steps should be?

I'm saving money to buy a investment property. In a few months I will be able to have enough to buy a condo all cash. Someone in this forum told me to get a bank that would finance 25% of my deal and I will put down 75% to start a credit file under a new business that I will create. I've being working for cash for the last 2 years and my income was the minimum amount on these years. Now, my personal credit doesn't exist. I had some problems with bank checks and overdraw a few years ago, due to job losses, that If a bank check NCPS I can't even open a bank account. Even with all theses problems, I will open a LLC to invest in Real Estate and hope that can find help or guidance in this forum. Thanks