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Found 14 results

  1. Has anyone had any luck removing any "lates" from their Auto Installment Loans. I have 2 "30 days late" from Toyota Motor group, one in November 2009, and the other in January 2010. The loan was paid off Early in late 2012. Just wondering if anybody has had experience in this area. Thanks in advance for any help or advice.
  2. Just a PSA - Dropped to 1.24%. Not sure if there's a thread around here that I missed?
  3. Your Age? 19 Your Equifax 683 MyFICO Your Experian 690 MyFICO Your TransUnion ? 650 FAKO How many years have you been on file with Equifax? 1+ How many years have you been on file with Experian? 1+ How many years have you been on file with Transunion 1+ YOUR PREVIOUS AUTOMOTIVE Do you have an open auto loan? No Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING Total number of revolving account(s) you have? 2 Total percentage utilized overall? 10% How many of your revolving accounts are store cards? 0 How many of your revolving accoun
  4. My Chapter 7 is being filed by an attorney electronically this weekend. I will not reaffirm my car, but plan on paying to retain with the balance discharged. I'm upside down by about $4,000 on a 2011 Corolla, but have never been late on payments. My attorney has suggested I not reaffirm, and I can't redeem and a 722 redemption is not in my best interest. I was referred to a loan broker who specializes in pre-discharge and post-discharge auto loans. I think If I went on my own to a dealership the best I could do is 14 to 18 percent apr on a new car (just want a Honda Civic). I s
  5. Can long term auto financing lower someone's fico score? Does it look bad to other lenders even if you pay it off early? I want the longest loan term I can get, but I want to pay it off early.
  6. Credit Application: Your Age? 22 Your Equifax Credit Score? 546 Your Experian Credit Score? 570 Your TransUnion Credit Score? 601 How many years have you been on file with Equifax? 6 How many years have you been on file with Experian? 6 How many years have you been on file with TransUnion? 6 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? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is f
  7. I apologize if this information is easily found, however I have been parusing for about a half hour and can't find it. Any help is appreciated. I have noticed credit apps being posted, assuming someone is reviewing and responding with an overview of possiblities? I could be totally wrong with what I think :-) My situation: Am looking to replace my car in April at the latest. I have been spending the last couple of months rebuilding my credit, seems I have little to none. I have a bk from 2007, a tax lien (from divorce) paid off and cleared in 09. My house from 09 shows paid off/s
  8. Trying to get my ducks in a row, here's the current situation: It's time for a new car. Started to buy one last month, but I knew I had some bumpy credit history and decided to look into my credit scores before getting too deep. One dealership (a local Chrysler) did a hard pull while we were shopping around - I don't believe it was authorized as i had specifically told them i was not ready to start paperwork yet and didn't want a credit pull - but not sure if I should even bother dealing with that transgression (the 3 CRAs show only 1, 2 and 3 TOTAL inq's respectively in the last 12 mont
  9. So I'm wondering because Im coming up on the two year mark if I can PIF the remaining balance and if this will give me a nice little boost in my credit?? Before I pick out a new SUV for me and the family during summer. 15,000 left on auto loan- 2 years perfect payments 1st premiere card $300CL- 2 years perfect payments Credit One $500CL-5 months perfect payments 1% uti TU 708 EX 675 EQ 650 Just want to get an idea of how much it's going to help, hope this enough info
  10. I am quite curious on the best route to take when financing another car. I had to file chapter 7 bankruptcy after an unexpected job loss, my 2010 Dodge Journey was repossessed as a result of that action. I am about to recieve discharge and my score from transunion is a terrble 480. I took a very large Credit Union and Ally Auto Fianance down in the bankruptcy, so I know Ally is out of the question. I found a vehicle I really like (2011 Chevrolet Equinox 2LT AWD with almost every option.) The Finance Manager in the office said Santander and Capital One might be my best option, but in the same s
  11. I'm in need of some auto refinancing advice. I am extremely novice to auto refinancing, so please bear with me. I'm looking for ways to save a few dollars in our household and I realize that we are paying too much for our vehicle. At the time we purchased our car, our credit was a little challenged but it has changed dramatically within the past 3 years. We have a 2008 BMW 750i that we purchased for around $44k 3 years ago at 7.9%APR. We financed for 72 months, so we're half way through the term. The current principal is at $26k remaining and our payment is $782/mo. It's in excellent co
  12. Due to financial difficulty, I had to break my auto lease. The Ally Financial sold my vehicle, and sent me a bill for deficiency in the amount of $5,200. I have received 2 bills from their Asset Recover Center. The debt is still with Ally. I have not hired an attorney yet, What is the best course of action here? I am willing to settle this debt. I have settled multiple credit card debts before for 20-30% of the balance myself, but they were all charged off and with collection agencies. Should I call them directly and offer a lump sum payment or wait until they move the account to
  13. Does anyone know of specific laws and information pertaining to Auto Loans and the FCRA, something similar to the Credit Card Act of 2009. Basically my payment was due to Nissan on 9/10/11, which was a Saturday. My wife made the payment through their automated system on 10/8/11, which they have confirmed and is not 30 days late. However, 10/8/11 was the Saturday of Columbus Day weekend, so the payment was not applied until 10/11/11, making it 31 days late. Is this legal? I know that if this was a credit card I would be protected under the Credit Card Act because the due dates shift to
  14. I wanted to post this here instead of in the main forum. Short version: We had a Capital One repo in Feb 2011 that left a $143.00 deficiency chargeoff balance after the vehicle sold at auction. Believe it or not, we were in no shape to even pay $143.00 at the time. Our goal was to keep the other Cap One auto loan we also had (and still have) through them that is nearly paid off and has been current for two years now. Midland took the deficiency and racked up over $1000 in fees. I've emailed Capital One executive offices and asked them to work with me to recall the account so I can pay
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