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MyFako Condones this Crap


bigpoppa09
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  • 1 month later...
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Established Contributor

‎11-26-2021 06:54 PM

Comenity Store Cards --> Max Exposure Limit?

Hello~

I have a few Comenity cards that I used to get regular CLI's every 61 days or so.

For instance:

Jared/Kays had their own cli cycle

Ann Taylor/Express/Victoria Secret had their own cli cycles

Overstock had its own cycle

 

For the last three months I have not been able to get a CLI from either of these cards. Am I at my max exposure for Comenity?

 

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turd for 7 years and claims to make bank?

 

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APPROVING BANK:  Veridian Credit Union
BUREAU PULLED:  TU
CREDIT SCORE: 713

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: MN
NEW/USED: Used
YEAR OF VEHICLE: 2018
MAKE: Jeep
MODEL: Grand Cherokee
MILEAGE: 26,000
FINANCE/LEASE: Finance

PURCHASE PRICE: $42,800
AMOUNT OF LOAN: 48,849
TERM CONTRACTED: 84 months
APR/LEASE RATE: 4.04
MONTHLY PAYMENT: $669
ANNUAL INCOME: $173,000
DEBT TO INCOME RATIO: No idea
MISCELLANEOUS COMMENTARY:  Also had approvals from US Bank (lower rate but shorter term), Spire Credit Union, PenFed.  Veridian just made it easier as the vehicle we were trading was already financed by the,

 

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14 hours ago, hegemony said:

turd for 7 years and claims to make bank?

 

 

They definitely saw him coming...

 

Had an option of a lower rate but declined it due to a shorter term?  No idea about his own DTI?

 

I have no idea about current valuations of a Grand Cherokee that is soon to be out of warranty, but stretching it out for seven years is just stupid.

 

As Bugs would have uttered..."What a maroon."

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BK less than two years old and buying a car about equal to annual income sounds about right for mfuuko

 

 

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Re: Auto Loan Approvals!

APPROVING BANK: Chase
BUREAU PULLED: Equifax
CREDIT SCORE: 672

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: North Carolina
NEW/USED: New
YEAR OF VEHICLE: 2022
MAKE: Acura
MODEL: RDX SH-AWD with A-Spec and Advance Package
MILEAGE: 50
FINANCE/LEASE: Finance

PURCHASE PRICE: $56,500
AMOUNT OF LOAN: $46,500
TERM CONTRACTED: 72 months
APR/LEASE RATE: 3.8%
MONTHLY PAYMENT: $724
ANNUAL INCOME: $58,000
DEBT TO INCOME RATIO: 29%
MISCELLANEOUS COMMENTARY:  21 months post BK7 discharge

 

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  • 3 weeks later...
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I plan on ordering a 2021 Ram 2500 Laramie night edition cummins diesel truck. I was planning on putting down 5k however the truck will be around 74k. I will be getting a substantial raise next month at my job. I'm wondering if they will go to a higher approval amount with my new income. Currently I'm grossing 5088 a month and my new pay will be 6200 a month. 

buying a turd equal to "new" annual gross.

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1 hour ago, TheVig said:

 

Spending it before they get it.

 

It's like doing the deed bareback, then go looking for a rubber after the fact.

and how many people need a vehicle with these capabilities? I have a couple 4x4s and use the feature only a few times a year.

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That leaves streaming, with the following netting the remaining $3.38 in cash back:

  • Apple TV - $4.99 - $.25 at 5% -or- $.05 at 1%
  • HBO Max - $14.99 - $.75 at 5% -or- $.15 at 1%
  • Hulu - $12.99 - $.65 at 5% -or- $.13 at 1%
  • Netflix - $17.99 - $.90 at 5% -or- $.18 at 1%
  • YouTube Premium - $17.99 - $.90 at 5% -or- $.18 at 1%
  • YouTube TV - $64.99 - $3.25 at 5% -or- $.65 at 1%

 

 

wth? this is in addition to his/her cable bill

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  • 5 weeks later...
  • 2 weeks later...
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APPROVING BANK:  Carolina Cooperative Federal Credit Union
BUREAU PULLED:  TransUnion
CREDIT SCORE:  747

SOFT PULL/HARD PULL:  Hard pull 
CUSTOMER STATE OF RESIDENCE:  Georgia
NEW/USED:  New
YEAR OF VEHICLE:  2022
MAKE:  Tesla
MODEL:  Model S Long Range
MILEAGE:  15
FINANCE/LEASE:  Finance

PURCHASE PRICE:  $93,843.84
AMOUNT OF LOAN:  $87,790.00
TERM CONTRACTED:  84
APR/LEASE RATE:  1.99%
MONTHLY PAYMENT:  $1128.00
ANNUAL INCOME:
DEBT TO INCOME RATIO:  18%

 

 

7 years of mortgage payments!

 

 

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18 hours ago, hegemony said:

 

 

7 years of mortgage payments!

 

 

 

Agree that 7 years is insane, but of all the posts in this thread this is certainly not even close to the worst offender...which probably speaks more to the other posts in this thread.

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On 2/8/2022 at 12:23 PM, CTSoxFan said:

 

Agree that 7 years is insane, but of all the posts in this thread this is certainly not even close to the worst offender...which probably speaks more to the other posts in this thread.

 

true. sad but true.

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APPROVING BANK: America First Credit Union
BUREAU PULLED: TU 8 I believe.....
CREDIT SCORE: 718

SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: UT
NEW/USED: Used
YEAR OF VEHICLE: 2015
MAKE: Alfa Romeo
MODEL: 4C Launch Edition
MILEAGE: 13,300
FINANCE/LEASE: Finance

PURCHASE PRICE: $59,000
AMOUNT OF LOAN: $56,000
TERM CONTRACTED: 72
APR/LEASE RATE: 2.99%
MONTHLY PAYMENT: $851

 

 

6 year loan for a 7 year old car??????? what is wrong with the American consumer????

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18 minutes ago, hegemony said:

6 year loan for a 7 year old car??????? what is wrong with the American consumer????

 

Some people find it difficult to believe they might become old and infirm one day.  Apparently the same goes for their cars ...

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Re: Need Help Figuring Out Hellcat Approval

Ok I will list my info

So my credit scores are  : Experian 553  Equifax 542  Transunion 545

My cosigners scores are: Experian 595  Equifax 571  Transunion 591

 

Annual income combined is $47,688

 

Let me tell you what Carvana has me approved for so this would be my last resort

2020 Challenger SRT Hellcat asking price $71,990 and they want $57,100 down

 

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