CHall Tracker

Re: RoadLoans Rates

CHall — Sat, 21 Jul 2007 02:14:19 GMT

Thank You CreditHawk!! You have probably saved me from going down a road I shouldn't have. I was literally on their web site filling out an application.

Do you have any knowledge of Christian Community Credit Union? Ive seen some good reviews on here about them & I applied a few minutes ago for a car loan.

My credit union turned me down today because of my BK. Said it HAD to be 5 years discharged before they would give me the loan. What really burns me is that it will be 5 years in Dec.

Might be time to look for a different credit union. :smileymad:

RoadLoans Rates

CHall — Sat, 21 Jul 2007 01:51:01 GMT

Anyone know what the typical rates are from RoadLoans? Bankruptcy dicharged Dec 02.....Scores low 600's. Thank You

CCCU Loans

CHall — Sat, 21 Jul 2007 01:27:39 GMT

Anyone had any luck with an auto loan from Christian Credit Union? My credit union turned me down today because they require 5 years from date of bankruptcy discharge. Mine will be 5 years in Dec. Those jokers wouldn't budge on 5 stinking months. Now I've got the ding to my credit. From what I understand, I can apply at several different places as long as they are within the next 14 days and it will only count as 1 inquirey....is that right?

I applied at CCCU earlier...guess I'll keep my finger crossed. Anyone having any luck with other lenders? My scores are low 600's...around 620.

Loan Suggestions

CHall — Fri, 20 Jul 2007 19:57:25 GMT

Ok....I got in a wreck a couple of weeks ago and my car was totaled, sooo....I am going to have to get a new car. I went to my Credit Union and applied. Got the big fat NO! I had a bankruptcy that was discharged in Dec 02. She told me it had to be 5 years before they would approve anything. So...anyone have any other suggestions? Scores are probably low 600's minus the recent ding from Credit Union. :smileysad:

Re: I take it all back - Capital One

CHall — Fri, 06 Jul 2007 19:24:05 GMT

Dragon:

I sent the letter to

Capital One Services

Attn: Credit Reporting Department

PO Box 30281

Salt Lake City, UT 84130-0821

The response I got back from them had the following address on the letterhead:

Capital One

PO Box 85049

Richmond, VA 23286-9228

The letter came from a "B. Medlin" - Customer Service.

Good Luck!!

Re: Any luck with GW and student loans from AES?

CHall — Fri, 06 Jul 2007 13:42:40 GMT

I have some lates on a student loan through EDFinancial. I sent them a GW letter a few weeks back. Haven't heard anything. :smileysad:

Re: I take it all back - Capital One

CHall — Fri, 06 Jul 2007 13:41:03 GMT

I honestly don't remember.....but possibly yes.

Re: I take it all back - Capital One

CHall — Fri, 06 Jul 2007 13:24:12 GMT

Happy Days - It took about three weeks.

Re: I take it all back - Capital One

CHall — Fri, 06 Jul 2007 02:43:07 GMT

It worked! I used one of the GW's that Tuscani posted.

I take it all back - Capital One

CHall — Fri, 06 Jul 2007 02:34:12 GMT

I'll probably be laughed off the board here, but I am going to have to eat some bad things I've said about Capital One.

I, like almost everyone else, have trashed them on here before.

Well, I should have put some sugar on them words cause I've got to eat them now. I had a couple of lates back in '05 and I sent them a GW letter. I got their response today: They are deleting them!! I am stoked. Finally.....FINALLY on this long road to credit recovery I get some good news. Now if they will start reporting credit limits like they "say" they will, I will be hunky dory.

Re: Credit Monitoring Question

CHall — Thu, 05 Jul 2007 19:42:17 GMT

I read on one post that if you dipute in one way, the CRA's have 45 days to respond. If you dispute via TC, does the same apply? Seems like it was the annualcreditreport site that gave 45 days?

Re: Credit Monitoring Question

CHall — Thu, 05 Jul 2007 19:13:44 GMT

Thanks Jag. I'm not even worried about the score part yet. I just about drove myself nuts chasing the score (FICO). I'm just looking for the easiest way to monitor & dispute items on my report(s) then I'll worry about the scores.

Credit Monitoring Question

CHall — Thu, 05 Jul 2007 19:06:15 GMT

As stated in an earlier post, I am in the rebuilding phase. From what I've been able to glean, it appears that TC is the only economically feasible way to monitor credit reports. Is this correct? Can one file disputes via TC?

You've GOT to be kidding me!!!

CHall — Thu, 05 Jul 2007 18:29:41 GMT

Ok...Just got a scorewatch alert (dropped 5 points). I am in credit repair mode. Make a long story short:

I filed Chapter 7 BK in 2002.

At that time I had credit cards with Fleet & Citi. Apperantly during the time I filed through discharge, Bank of America bought out Fleet or Citi? Ok...Fine....well...they were reporting me waaaay late up through 2006. I disputed it, and now they have that corrected as included in BK. Should they be able to report anything, because now it appears I have another CC that I never even had with them???

Second problem: I had a truck that was financed through BoA as well, that was PIF 2001 which had the very last payment showing up 30 days late. Well I sent in a GW letter to ask that they remove the late. They sent me a letter back saying they wouldnt...blah blah blah. Well....they are now reporting that good account (truck) as included in BK!!! I can't win for losing.

Any suggestions? I'm assuming I will just have to start the entire dispute process over?? Sorry for rambling...

Re: new judgement

CHall — Fri, 29 Jun 2007 13:32:46 GMT

Don't let it go to court unanswered. Do you acknowledge the debt? What are your intentions? Do you intend to pay it? If so, I would try to contact the attorney and work it out before it goes to court. If you let it go to court unanswered, the judge could grant a summary judgement against you and it will probably cost you a lot more (court cost, atty fees....).

Another option (if you intend to dispute the debt) is to ask for a continuance stating you are out of the country.

Re: Legal Item filed

CHall — Thu, 28 Jun 2007 21:13:31 GMT

Ive got a judgment on my reports. I'm checking with a lawyer to see if there is any way to have them removed. Just doesn't seem right that you should be penalized for 7 years if you pay the judgement, as in my case, within 2 weeks of the judgement.

I'll let everyone know the outcome.

Re: Congratulations to our latest Super Contributor, Boswd!

CHall — Fri, 22 Jun 2007 21:46:03 GMT

Thank you for all your insight!

Re: can ai dv a collection that is more than 30 days old?

CHall — Fri, 22 Jun 2007 21:35:37 GMT

sure you can

Re: Address Deletions

CHall — Fri, 22 Jun 2007 21:29:13 GMT

From my understanding, they don't affect your score. Someone will correct me if I'm wrong. Only negative I can see in all the address' being reported is that if someone does a manual review, it may show instability if you move around a lot?

Just Wondering

CHall — Fri, 22 Jun 2007 21:15:53 GMT

When a creditor pulls your report & score, does the score they get reflect the ding they just caused by the inq or are they getting a "pre-ding" score?