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I've tried every option, but with no success. Now my credit on Equifax has two baddies, and my experian has two baddies.

 

1. MY MORTGAGE IS REPORTING 110K BEHIND, EVEN THOUGH I SUBMITTED MY MODIFICATION PAPERS TO THE CREDIT BUREAU, THEY WONT CHANGE.

2. IN 2008 ON EQUIFAX, MY DAUGHTER HAD ME SIGN FOR A CAR, THAT SHE GAVE BACK, SO SHOWS CHARGE OFF.

3. ON EQUIFAX, FIVE PAID IN FULL CARS SINCE ANY ISSUES WITH MY DAUGHTERS CAR

4. ON EXPERIAN, THE SAME ISSUE WITH MY DAUGHTERS CAR, AND THAT MORTGAGE, BUT ONCE AGAIN FIVE PAID FOR CARS.

IVE BEEN EVERYWHERE, AND CANT SEEM TO FIND AN APPROVAL, PLEASE HELP ANYONE.

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Auto Credit of Columbia

 

652 Bush River Rd Columbia SC 29210-7521 : (803) 731-4329

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

38 Months Semi-Monthly

01/2012

96* 08/19/2011

Date

Closed

Credit Limit Terms Duration Terms Frequency

Date Opened High Credit

$6,737 $6,737 04/2012 $410 $9,836

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

5

Months Revd

12/26/2013 01/2012

Date of 1st

Delinquency

Account Number

Status - Charge Off; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Charged Off Account; Auto;

02/2013 06/2012 04/2012 03/2012

L L K K

Account History

with Status Codes

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 No Data Available

09/13 No Data Available

08/13 No Data Available

07/13 No Data Available

( Continued On Next Page ) Page 4 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

06/13 No Data Available

05/13 No Data Available

04/13 No Data Available

03/13 No Data Available

02/13 $6,737 $410 4/1/2012 $6,737 Auto

Additional Information: Charged Off Account

Chase

 

PO Box 24696 Columbus OH 43224-0696 : (800) 848-9136

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

465188030* 12/14/2007 30 Years Monthly

Date

Closed

Credit Limit Terms Duration Terms Frequency

$202,118

Date Opened High Credit

$202,118 $110,264 01/2008 $1,704

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

36

Months Revd

12/07/2013 02/2008

Date of 1st

Delinquency

Account Number

Status - Over 120 Days Past Due; Type of Account - Mortgage; Type of Loan - Va Real Estate Mortgage; Whose Account - Individual Account; ADDITIONAL INFORMATION -

Chapter 13 Bankruptcy Dismissed; Real Estate Mortgage; 180 Days or More Past Due; Fixed Rate;

6

10/2013 09/2013 08/2013 11/2012 10/2012 09/2012 08/2012 07/2012 06/2012 01/2012 12/2011 11/2011

6 6 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6

09/2011 07/2011 06/2011 05/2011 04/2011 03/2011

6 6 6

Account History

 

 

02/2011 01/2011 12/2010

with Status Codes

4

11/2010 10/2010 09/2010 08/2010 07/2010 03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 04/2009

6 6 6 6 6 6 6 6 6 4 4 4 4 4 4 4 4

12/2008 11/2008 10/2008 09/2008 08/2008 07/2008

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0082* 06/17/2010 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$10,468

Date Opened High Credit

$11,735 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

19

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

( Continued On Next Page ) Page 5 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

10/13 $11,704 $10,468 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $11,673 $10,468 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $11,642 $10,468 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0122* 05/30/2012 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,311

Date Opened High Credit

$1,457 $0 11/2013 12/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

17

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $1,449 $1,311 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $1,442 $1,311 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $1,435 $1,311 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

( Continued On Next Page ) Page 6 of 20 3335006240X65-001544790- 854- 3126 - S

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0112* 05/30/2012 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,750

Date Opened High Credit

$1,750 $0 11/2013 12/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

18

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $1,750 $1,750 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $1,750 $1,750 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $1,750 $1,750 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0072* 11/08/2010 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$3,000

Date Opened High Credit

$3,663 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

20

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $3,645 $3,000 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

( Continued On Next Page ) Page 7 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

09/13 $3,626 $3,000 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $3,608 $3,000 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0062* 11/08/2010 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,750

Date Opened High Credit

$1,792 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

20

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $1,792 $1,750 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $1,792 $1,750 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $1,792 $1,750 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0052* 06/03/2010 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,522

Date Opened High Credit

$1,910 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

20

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

( Continued On Next Page ) Page 8 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $1,901 $1,522 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $1,891 $1,522 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $1,881 $1,522 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0042* 11/08/2010 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$500

Date Opened High Credit

$512 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

20

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $512 $500 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $512 $500 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $512 $500 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

( Continued On Next Page ) Page 9 of 20 3335006240X65-001544790- 854- 3126 - S

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0032* 06/03/2010 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,164

Date Opened High Credit

$1,198 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

20

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $1,198 $1,164 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $1,198 $1,164 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $1,198 $1,164 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0022* 10/20/2009 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$2,000

Date Opened High Credit

$2,620 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

35

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $2,607 $2,000 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

( Continued On Next Page ) Page 10 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

09/13 $2,593 $2,000 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $2,580 $2,000 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Dept of Ed/Sallie Mae

 

11100 USA Pkwy Fishers IN 46037-9203 : (800) 428-9250

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

96811147351E0012* 10/20/2009 Deferred

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,168

Date Opened High Credit

$1,250 $0 11/2013 06/2016

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

36

Months Revd

11/30/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan -

Payment Deferred; Fixed Rate;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 $1,250 $1,168 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

09/13 $1,250 $1,168 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

08/13 $1,250 $1,168 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Fixed Rate

Santander Consumer USA

 

8585 N Stemmons Fwy St Dallas TX 75247-3836 : (800) 861-6743

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

72 Months Monthly

05/2013

3000018668977* 01/24/2013

Date

Closed

Credit Limit Terms Duration Terms Frequency

$15,000

Date Opened High Credit

$0 05/2013 $22 $342 05/2013

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

4 Paid and Closed

Months Revd

05/31/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero

Balance; Auto;

( Continued On Next Page ) Page 11 of 20 3335006240X65-001544790- 854- 3126 - S

Santander Consumer USA

 

8585 N Stemmons Fwy St Dallas TX 75247-3836 : (800) 861-6743

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

72 Months Monthly

03/2013

3000018540259* 01/14/2013

Date

Closed

Credit Limit Terms Duration Terms Frequency

$15,000

Date Opened High Credit

$0 03/2013 $8,545 $342 03/2013

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

1 Paid and Closed

Months Revd

03/31/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero

Balance; Auto;

Santander Consumer USA

 

8585 N Stemmons Fwy St Dallas TX 75247-3836 : (800) 861-6743

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

60 Months Monthly

01/2013

3000012782055* 08/03/2012

Date

Closed

Credit Limit Terms Duration Terms Frequency

$9,800

Date Opened High Credit

$0 01/2013 $3,451 $248 01/2013

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

4 Paid and Closed

Months Revd

01/31/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero

Balance; Auto;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 No Data Available

09/13 No Data Available

08/13 No Data Available

07/13 No Data Available

06/13 No Data Available

05/13 No Data Available

04/13 No Data Available

03/13 No Data Available

02/13 No Data Available

01/13 No Data Available

( Continued On Next Page ) Page 12 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

12/12 $3,408 $248 $6,019 12/1/2012 $9,800 Auto

11/12 $9,366 $248 $516 11/1/2012 $9,800 Auto

10/12 $9,536 $248 9/1/2012 $9,800 Auto

09/12 $9,536 $248 $258 9/1/2012 $9,800 Auto

08/12 $9,685 $248 $258 8/1/2012 $9,800 Auto

Santander Consumer USA

 

8585 N Stemmons Fwy St Dallas TX 75247-3836 : (800) 861-6743

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

73 Months Monthly

09/2011

3000018681052* 07/01/2011

Date

Closed

Credit Limit Terms Duration Terms Frequency

$14,500

Date Opened High Credit

$0 09/2011 $403 08/2011

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

Paid and Closed

Months Revd

11/01/2011

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero

Balance; Auto;

SCE & Gas

 

Receivables Mngmnt I-26 Columbia SC 29218-0001 : (803) 748-3459

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

821007196* 10/01/2006 Monthly

Date

Closed

Terms Duration Terms Frequency

$156

Credit Limit

Date Opened High Credit

$156 $156 11/2007 09/2008 $156

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

32

Months Revd

12/26/2013 11/2007

Date of 1st

Delinquency

Account Number

Status - Charge Off; Type of Account - Open; Type of Loan - Utility Company; Whose Account - Individual Account; ADDITIONAL INFORMATION - Charged Off Account; Account

Closed By Credit Grantor; Utility;

L

05/2012 11/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010 08/2010

L L L L L L L L L L L L L L L L L

07/2010 06/2010 05/2010 04/2010 03/2010 02/2010

L L L

Account History

 

 

01/2010 12/2009 11/2009

with Status Codes

L

10/2009 09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008

L L L L L L L L L L L L L

10/2008 09/2008

U S Department of Edu Afsa

 

PO BOX 7202 UTICA NY 13504-7202

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

120 Months Monthly

03/2012

70000212574* 06/13/2010

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,652

Date Opened High Credit

$0 $24 11/2011

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

6 Transfer/Sold

Months Revd

08/13/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Transferred or

Sold; Student Loan;

02/2012

3

Account History

with Status Codes

( Continued On Next Page ) Page 13 of 20 3335006240X65-001544790- 854- 3126 - S

U S Department of Edu Afsa

 

PO BOX 7202 UTICA NY 13504-7202

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

120 Months Monthly

03/2012

70000212574* 11/13/2010

Date

Closed

Credit Limit Terms Duration Terms Frequency

$3,168

Date Opened High Credit

$0 $35 11/2011

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

6 Transfer/Sold

Months Revd

08/13/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Transferred or

Sold; Student Loan;

02/2012

3

Account History

with Status Codes

U S Department of Edu Afsa

 

PO BOX 7202 UTICA NY 13504-7202

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

120 Months Monthly

03/2012

70000212574* 11/13/2010

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,750

Date Opened High Credit

$0 $19 11/2011

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

6 Transfer/Sold

Months Revd

08/13/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Transferred or

Sold; Student Loan;

02/2012

3

Account History

with Status Codes

U S Department of Edu Afsa

 

PO BOX 7202 UTICA NY 13504-7202

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

120 Months Monthly

03/2012

70000212574* 11/13/2010

Date

Closed

Credit Limit Terms Duration Terms Frequency

$500

Date Opened High Credit

$0 $7 11/2011

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

6 Transfer/Sold

Months Revd

08/13/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Transferred or

Sold; Student Loan;

02/2012

3

Account History

with Status Codes

U S Department of Edu Afsa

 

PO BOX 7202 UTICA NY 13504-7202

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

120 Months Monthly

03/2012

70000212574* 06/13/2010

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,164

Date Opened High Credit

$0 $17 11/2011

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

6 Transfer/Sold

Months Revd

08/13/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Transferred or

Sold; Student Loan;

02/2012

3

Account History

with Status Codes

( Continued On Next Page ) Page 14 of 20 3335006240X65-001544790- 854- 3126 - S

U S Department of Edu Afsa

 

PO BOX 7202 UTICA NY 13504-7202

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

120 Months Monthly

03/2012

70000212574* 06/14/2010

Date

Closed

Credit Limit Terms Duration Terms Frequency

$10,834

Date Opened High Credit

$0 $106 08/2011

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

6 Paid and Closed

Months Revd

06/14/2012

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid

Account/Zero Balance; Student Loan;

04/2012 03/2012 02/2012 01/2012 12/2011 11/2011

6 6 5 4 3 3

Account History

with Status Codes

U S Department of Edu Afsa

 

PO BOX 7202 UTICA NY 13504-7202

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

654121* 08/01/2005 119 Months

Date

Closed

Credit Limit Terms Duration Terms Frequency

$9,840

Date Opened High Credit

$0 06/2010 $108 06/2010

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

22 Paid and Closed

Months Revd

06/01/2010

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid

Account/Zero Balance; Student Loan;

03/2008 02/2008 01/2008

4 3 2

Account History

with Status Codes

US Dept. of Education/Glelsi

 

PO Box 7860 Madison WI 53707-7860 : (608) 246-1750

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

04/2012

65412198779* 07/10/2009

Date

Closed

Credit Limit Terms Duration Terms Frequency

$1,697

Date Opened High Credit

$0 $50 03/2012

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

19 Transfer/Sold

Months Revd

04/30/2012

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Transferred or

Sold; Student Loan;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 No Data Available

09/13 No Data Available

08/13 No Data Available

07/13 No Data Available

( Continued On Next Page ) Page 15 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

06/13 No Data Available

05/13 No Data Available

04/13 No Data Available

03/13 No Data Available

02/13 No Data Available

01/13 No Data Available

12/12 No Data Available

11/12 No Data Available

10/12 No Data Available

09/12 No Data Available

08/12 No Data Available

07/12 No Data Available

06/12 No Data Available

05/12 No Data Available

04/12 No Data Available

03/12 $1,697 $50 $1,697 Education Loan

02/12 $1,697 $50 $1,697 Education Loan

01/12 $1,697 $50 $1,697 Education Loan

( Continued On Next Page ) Page 16 of 20 3335006240X65-001544790- 854- 3126 - S

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

12/11 $1,662 $1,662 $0 Education Loan

Additional Information: Student Loan - Payment Deferred; Account In Forbearance

Wilshire Commercial Capital

 

4751 Wilshire Blvd Ste Los Angeles CA 90010-3847 : (323) 692-4064

Date of

Last Paymnt

Scheduled

Paymnt Amount

Actual

Paymnt Amount

Amount

Past Due

Balance

Amount

Items As of

Date Reported

476* 10/30/2012

Date

Closed

Credit Limit Terms Duration Terms Frequency

$11,187

Date Opened High Credit

$0 $0 04/2013 05/2013

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

5

Months Revd

12/26/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Auto;

Historical Account Information

Type of

Loan

Balance Scheduled

Payment

Amount

Actual

Payment

Amount

Date of

Last

Payment

High

Credit

Credit

Limit

Amount

Past

Due

Activity

Designator

11/13 No Data Available

10/13 No Data Available

09/13 No Data Available

08/13 No Data Available

07/13 No Data Available

06/13 No Data Available

05/13 $10,885 $709 $714 4/1/2013 $11,187 Auto

This section lists companies that requested your credit file. Credit grantors may view these requests when evaluating your credit worthiness. Employment inquiries do not impact your credit score.

Inquiries that display to companies (may impact your credit score)

Company Information Inquiry Date(s)

Harley Davidson Financial 12/24/2013 05/25/2013

4150 Technology Way Carson City, NV 89706-2009 Phone: (800) 544-1137

Distinctive Auto Inc. 12/06/2013

5311 Forest Dr Dba United Car Sales Columbia, SC 29206-4921

Dodgeland of Columbia 12/05/2013

190 Greystone Blvd Columbia, SC 29210-8003

( Continued On Next Page ) Page 17 of 20 3335006240X65-001544790- 854- 3126 - S

Company Information Inquiry Date(s)

Williams And FUDGE Inc 11/26/2013

PO Box 266 Rock Hill, SC 29731-6266 Phone: (803) 329-9791

Jim Hudson Toyota 11/19/2013

970 Columbia Ave Irmo, SC 29063-2854

Jpmorgan Chase Bank 11/05/2013 11/05/2013

PO Box 901076 Fort Worth, TX 76101-2076 Phone: (800) 336-6675

Dealer Funding 11/05/2013

PO Box 888759 Atlanta, GA 30356-0759

Franchise 11/05/2013

749 Main St Riverdale, GA 30274-2398

Flagship Credit Acceptance,llc 11/05/2013

3 Christy Dr Ste 201 Chadds Ford, PA 19317-9670 Phone: (800) 707-0114

Credit Acceptance Corporation 11/04/2013

25505 W 12 Mile Rd Ste 5000 Southfield, MI 48034-8313

Motormax Financial 07/10/2013

216 13th St Columbus, GA 31901-2137 Phone: (706) 327-6581

06/25/2013 06/14/2013 04/05/2013 04/03/2013 01/17/2013 10/05/2012 08/31/2012 05/10/2012

03/23/2012 01/14/2012

Roadloans

5201 Rufe Snow Dr Ste 400 North Richland Hills, TX 76180-6036

Capital One 06/02/2013 06/01/2013 02/06/2013 02/05/2013 01/18/2013 01/09/2013 06/05/2012

15000 Capital One Dr Po # 96766 Richmond, VA 23238-1119

Carmax Auto Finance 06/01/2013 01/18/2013

225 Chastain Meadows Ct NW Kennesaw, GA 30144-5841

Wells FARGO Dealer Services 06/01/2013 02/05/2013 01/18/2013

Credit Bureau Disputes PO Box 1697 Winterville, NC 28590-1697

Love Buick−GMC 05/06/2013

736 Saturn Pkwy Columbia, SC 29212-2265

Innovative Funding Services 03/18/2013

930 S Bell Blvd Ste 401 Cedar Park, TX 78613-3977

Capitol Imports 03/08/2013

6826 Two Notch Rd Columbia, SC 29223-7520 Phone: (704) 927-6322

RFC 108 03/05/2013

6729 Two Notch Rd Ste L Columbia, SC 29223-7535 Phone: (803) 736-2210

Credit Central SC 25 02/12/2013

3904B Two Notch Rd Columbia, SC 29204-3211 Phone: (803) 735-1654

Digital Federal Credit Union 01/16/2013

229 Donald Lynch Blvd Marlborough, MA 01752-4702

Capital One, N.A. 01/16/2013

1 S Orange St Wilmington, DE 19801-5006

ding-a-ling Dyer Toyota 01/04/2013

240 Killian Commons Pkwy Columbia, SC 29203-9131

South Carolina FCU 01/03/2013 02/10/2012

2175 Credit Union Ln North Charleston, SC 29406-4915

Pioneer/MAC Inc 12/03/2012

USA Discounters 12/03/2012

3320 Holland Rd Virginia Beach, VA 23452-4826

( Continued On Next Page ) Page 18 of 20 3335006240X65-001544790- 854- 3126 - S

Company Information

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ADDITIONAL REPORTED ITEMS NOT CONTAINED ON THIS REPORT IS A AMERICREDIT CAR LOAN PAID WITH NUMBER 415795970 1253900 HIGH 73 MONTHS

REPORTING

Date Recorded: 01/2008 The Statement/Alert Shown Below Expires On: 01/2018

Public Record Information

 

(This section includes public record items obtained from local, state and federal courts.)

Wage Earner Plan Filed 01/2009; South Carolina Federal Bankrup; Case or ID # - 0900038; Type - Personal; Filer - Individual; Current Disposition - Dismissed/Closed CH-13; Current

Disposition Date 01/22/2009; Date Verified 08/25/2009; Date Reported 08/25/2009; Prior Disposition - CH-13 Filed;

 

Address: 1100 LAUREL ST COLUMBIA, SC 29201-2802 : (803)

765-5436

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  • Admin

Unfortunately, I cannot read a consumer version of a credit file. And I usually don't analyze line by line. You need to arrive at a dealership early one morning, NOT A SATURDAY, and get yourself approved.

 

With 5 PIF automobiles, some lender will approved you for a loan. You will have to part with some cash IMO.

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  • Admin

maybe i need to ask a better question, is there another organization like carmax, with all of their resources, but not car max

Any decent sized dealership, we almost all use the same lenders. Easy to pick up the phone and call the lenders to which you have been submitted and find out the decisions without even submitting an app, and see about what it would take to get you approved.

 

I am not a fan of CarMax's finance department, if one could even call it that.

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  • Admin

THANK YOU VERY MUCH, SEEMINGLY THESE DAYS, FINDING A FIGHTING F&I MAN IS A RARE THING IN COLUMBIA, SC, IF DEALERTRACK OR ROUTEONE CANT GET IT DONE, NOTHING IS GOING TO GET DONE.

Most of us, choose our battles very carefully. The sites you mention are only online avenues to submit an application for review.

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ALSO DID ON ROADLOANS, AND WAS APPROVED, BUT I KNOW, FROM PAST INCIDENTS, THAT DEALER FEES MAKE DEALERS RUN.

 

If you use your RoadLoans approval at CarMax, there is no dealer fee. I had a RoadLoans approval and I used mine at CarMax and it was a easy, no hassle experience. Just pick out your car and drive away!

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If there is a will there is a way! My nephew who is 22 came to me to help him buy a car. He tried on his own and got turned down everywhere. He had no prior auto loans and his credit was in the mid to high 500's. His job was at a temp agency for 2 months. I was in finance for a few years so i have some experience how lenders look at things and if you talk to the right person there is always a way. There is a dealer near my house that has been there forever and cars are always changing quickly and they advertise that "if you like the car you'll get approved guaranteed". I want it to find out how they did that, so I took my nephew in. He found a 2008 Pontiac with 82K miles that he liked and could afford. The first thing the sales guy asked is how much he had to put down, I told him to answer with a lower amount then what he had so he said $1,500. I asked the sales guy how they did their financing and he said they do their own approvals they have a credit line with their lender and they have to buy back the deals that go bad. My nephew would have to make his first 2 payment to the dealer and then they sell the paper. This reminded me of how the secondary market worked when I was in the mortgage business back in 2006. The sales guy proceeded to fill out the application. He corrected the income after my nephew said $1,500 per month, he said that will not work and he entered $2,000 per month. He asked for $500 more down and my nephew would have to come up with it within 3 weeks, he said ok. My newphew actually had $4,500 but he didn't want to spend it all. Then we went into the finance office printed the loan papers and my nephew signed them and walked out with the car little over $300 per month payments. I tought this was and interesting experience to share with board because I didn't thing either that my nephew could be financed. By the way he didn't have to provide proof for income, residence status, proof of address etc...

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  • Admin

If there is a will there is a way! My nephew who is 22 came to me to help him buy a car. He tried on his own and got turned down everywhere. He had no prior auto loans and his credit was in the mid to high 500's. His job was at a temp agency for 2 months. I was in finance for a few years so i have some experience how lenders look at things and if you talk to the right person there is always a way. There is a dealer near my house that has been there forever and cars are always changing quickly and they advertise that "if you like the car you'll get approved guaranteed". I want it to find out how they did that, so I took my nephew in. He found a 2008 Pontiac with 82K miles that he liked and could afford. The first thing the sales guy asked is how much he had to put down, I told him to answer with a lower amount then what he had so he said $1,500. I asked the sales guy how they did their financing and he said they do their own approvals they have a credit line with their lender and they have to buy back the deals that go bad. My nephew would have to make his first 2 payment to the dealer and then they sell the paper. This reminded me of how the secondary market worked when I was in the mortgage business back in 2006. The sales guy proceeded to fill out the application. He corrected the income after my nephew said $1,500 per month, he said that will not work and he entered $2,000 per month. He asked for $500 more down and my nephew would have to come up with it within 3 weeks, he said ok. My newphew actually had $4,500 but he didn't want to spend it all. Then we went into the finance office printed the loan papers and my nephew signed them and walked out with the car little over $300 per month payments. I tought this was and interesting experience to share with board because I didn't thing either that my nephew could be financed. By the way he didn't have to provide proof for income, residence status, proof of address etc...

yup, only usually 2 requirement for a BHPH lot.

 

#1 Cash money for downpayment

#2 Be able to breath.

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