Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.

Sign in to follow this  

New and Confused: How do I get the credit app, help with my status and etc.?

The last post in this topic was posted 2555 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

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/settled (short sale). I have a car payment (title loan) on time three months. I have college loans in good standing, no payments due at this time (no history) Experian is 618. I have some little bills i can pay off but not sure if it will make a difference. I honeslty don't want to wait until April to get a car, but I am using that as my target date as my current full time employment (government contractor) will be one year in April and if I pay off the little collections it will take that long to be removed, or show paid most likely. I have 10 years licensed in Real Estate, other financial/accounting customers I've had for years, have good income.


Any direction or insight would be helpful rather than going from dealership to dealership. I know my credit isn't perfect, but honestly compared to a year ago during divorce it is pretty good.

Share this post

Link to post
Share on other sites

The last post in this topic was posted 2555 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By tyabeau2
      After many years of paying rent we have decided we want a home of our own. Would 18 months be too early to start the mortgage process? Here is our story...bear with me it's long,
      Back in December of 2012 we closed our accounts at a traditional bank and moved our accounts to a credit union (bank was giving us no love even when we never overdraft in the 5 years with them). September of 2013 requested a CC from credit union and received it. Been keeping uti under 10% paying off each paycheck. November we received a car loan with credit union for a 7.99% interest for $33,000, paying on time, never late. Husband is an authorized user on brother's AMEX to help build credit.
      In other words we didn't have good credit. Husband's "baddies" will fall off in 2015. My baddies were all medical from hospitalization in 2012. Used WhyChat's method and they are all gone! In September I went on a CC spree and obtain a Capital One CC, Wal-Mart and Care Credit (joint with husband) for me and for husband a Valero, Care Credit and Target. Will keep balances down to at the most 1% and pay off each month.
      My credit scores are as follows: EQ 637, EX 615, TU 611 (Very excited about my scores, this time last year they were all in the low 500s!)
      Husbands scores are as follows: EQ 600, EX 559, TU 614 (He has 5 baddies, scheduled to fall off by 2015)
      We are planning on using our Credit Union since we are building a relationship with them, with the car loan and cc. I was also planning on April of 2015 obtaining one more CC, not a store card, to help our portfolio. Should I or should I not???
      I need advice on what we need to do to bring our scores up by May of 2016 to obtain a mortgage at a good rate. I hear that 620 is the rate some loan companies will approve. I want at least a low 700 or very high 600 before we start looking. Would love a 720 to 750 on all! My husband's score will go up once the "baddies" are gone. I am worried about how recent our credit will be and if that would be an issue on obtaining a mortgage.
      Need to also mention, both of us have two jobs and nickel and diming everything to save at least 20% to put down on a place. I've been at my current full time employment for over 9 years, husband just switched jobs in October, 2013 so he has been there a year.
      Would we be able to obtain a mortgage loan in 18 months???
    • By rounder07
      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.
    • By staben913
      Hey there,
      I recently turned 18 and want to get a new car on my own (parents won't co-sign). I am considering leasing or financing a BMW, as my car is a bit older. The problem is that I haven't developed credit yet. What isn't a problem is my income, I make plenty to pay for the lease estimate ($550/month). I also won't have a problem getting insurance or setting up an auto pay or anything like that either.
      So, before I go to a dealership and make a fool out of myself (if I can't pull it off), I was wondering what options are available and any ideas.
      Thanks a bunch.
    • By surfit
      Hi all-
      Quick question.
      My good friend owns a home that has recently appraised at around $825,000. He has 1 mortgage and that's for $398,000. His income is roughly $42k per year. His credit is bad/fair, no bankruptcies or foreclosures, mainly charged off cards.
      We're wondering, does anyone think he could qualify for a loan for $80,000 based on the equity in his home? We've yet to apply anywhere; first wanted to run this past the pros here. (I'm usually over in the credit forum).
      Oh, and if so, with whom do you think he should apply?
    • By WriteDrunk
      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+


      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


      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 accounts are major credit cards? (i.e. Amex, MC, Visa) 2
      How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0


      How long at your current residence? 1 year
      Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent
      Your Monthly Rent or Mortgage payment? $695
      How long have you held your current job? 2 years
      Your total provable monthly gross income is? $1600
      Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) online paystubs
      Is there additional monthly income? Yes: I am contracted by a local state senator, I receive hand-written checks, which won't be "provable" until taxes. Total income is over $2200.

      Please tell me your exact down payment in cash? Hoping for zero, can do $1k-2k
      Does any credit repository contain any Public Record? no
      If yes, please very briefly describe.
      Does any credit repository contain any Collection Account(s)?
      If yes, please very briefly describe.

      Please rate your overall CREDITWORTHINESS on a scale of 1-10 (1=poor, 10= best) 7 (used too much on my cards when I first got them, using responsibly now)
      Please rate your Installment CREDIT HISTORY on a scale of 1-10 (1=poor, 10=best) N/A
      Please rate your Revolving CREDIT HISTORY on a scale of 1-10 (1=poor, 10=best) 10 (every payment has been made on time)

      New or Used vehicle you are considering: Please very briefly describe. I want to buy a 2011 Chevy Malibu LS, 41K miles for $9400. The car is a steal, and has been checked by my mechanic. I recently moved, so I have yet to visit any credit unions, but I was hoping to develop a relationship with one of the locals. Is this a possible loan for a kid my age? I'm in the military and am working full time.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information