Isaiah2990 Tracker

Re: Wedding debt..

Isaiah2990 — Fri, 15 Mar 2013 01:16:17 GMT

beb86 wrote:
We had ours the old fashioned way where the brides parents pay for pretty much everything and grooms take care of tuxes and rehersal (We are veryyyy blessed, and the fact my wifes the baby of her family so that helps haha)

Good stuff.. her parents told her she wouldn't want her to get married in a courthouse because they did and they would want more for their children...the thing is if we do tie the knot I'm pretty sure they will not be able to contribute due to their finances. I have student loans to pay off when I graduate and that is main priority, I'm not trying to miss payments on my loans due to a wedding. I'm not against weddings, but I feel like it should be traditional and if the parents can't afford it..go to the courthouse.

Re: Can you have a 700 fico score with derogs ?

Isaiah2990 — Wed, 13 Mar 2013 23:09:24 GMT

Thanks.. We will see what happens.

Re: Can you have a 700 fico score with derogs ?

Isaiah2990 — Wed, 13 Mar 2013 22:51:15 GMT

My aaoa is 2 years And I had established credit for 4 years. I had a lot of 6 month installment loans.

Re: Can you have a 700 fico score with derogs ?

Isaiah2990 — Wed, 13 Mar 2013 22:43:31 GMT

Ehh.. This is gonna be a long 4 years ..

Re: Can you have a 700 fico score with derogs ?

Isaiah2990 — Wed, 13 Mar 2013 21:47:58 GMT

All my derogs are paid and they probably aren't coming off til 2017.

Can you have a 700 fico score with derogs ?

Isaiah2990 — Wed, 13 Mar 2013 21:11:57 GMT

I'm currently in the process of fixing my credit... My credit report isn't really pretty ..I currently have 3 chargeoffs: Creditone (PIF through MCM), Military Star Card (PIF), and First Premier (Settled). and also 2 collections: MCM (PIF) and LCA Services ($70 Medical collection PIF), and late payments on my car payment (about 13 since I got it in 2010 and 08/12 was my last 30 day). I wanted to know is there anyway possible I could get to 700 with these items on my report. I have tried to get both CA to delete they said no multiple times. I currently have a USAA secured and I'm an AU on my gf's walmart store card.. my score could be a bit higher but my util is high and I'm paying it down. Is it possible just wondering ?

And the mcm and first premier accounts haven't updated the balance to $0 yet and according to myfico it's factored into my util.

Thanks in advance!

Re: How long do I wait to apply for new credit ?

Isaiah2990 — Thu, 28 Feb 2013 18:36:32 GMT

LCA collections.. It's collection agency about 2 hours away. And you're right, I tried it before and they called me and said they couldn't do it.

Re: How long do I wait to apply for new credit ?

Isaiah2990 — Thu, 28 Feb 2013 18:09:00 GMT

guiness56 wrote:
I would start sending GW letters to have the collections and some lates removed.

Do you have a PR?

Some don't just look at your score, they look at your report also. Meaning it depends on the creditor, some will not approve with any collections or COs on your report, paid or not.

I would wait a little longer to let your newer CC age a bit.

The thing is I want to gw wells fargo dealer services about the lates on my car payments..but I was late about 5 or 6 times last year.. so I highly doubt they will. And the medical collection I have on file, I tried to get them to delete it, but they told me it was too late and if it was in collections under a year it would of been fine, but since it was over a year there wasn't anything they could do...So I kinda feel like I am stuck.

How long do I wait to apply for new credit ?

Isaiah2990 — Wed, 27 Feb 2013 23:18:40 GMT

I tried applying for credit in the beginning of January and was denied for everything pretty much.. the main errors were

SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED

LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

TIME SINCE DELINQUENCY

As of yesterday all my collections and chargeoffs have been paid. My last late payment was August 2012.. I currently have a USAA secured I opened up last month, and I am a AU for my gf's walmart store card. Should I just try to get another secured card..or just sit tight for a while ? thanks in advance!

Re: Is it possible to get a credit card with the same company you got a charge off from ?

Isaiah2990 — Tue, 26 Feb 2013 12:51:07 GMT

Yeah their car insurance rates are very low. And they offer a lot of benefits.

Re: Is it possible to get a credit card with the same company you got a charge off from ?

Isaiah2990 — Tue, 26 Feb 2013 02:15:40 GMT

I doubt they will.. I tried to GW them when I totaled my car and my gap insurance didnt kick in for another 2 in a half months after.. And they stI'll have me a 30 day late.

Re: Is it possible to get a credit card with the same company you got a charge off from ?

Isaiah2990 — Tue, 26 Feb 2013 02:11:09 GMT

My most recent baddie was a 30 day late in August and a medical collection for 70 I paid in December.. Other than that 3 charge offs from 2009-2010 as of tomorrow all 3 will be paid off.. And no pfd, No one was willing to budge..even the medical collection agency told me they couldn't do it because it was too late and I had previously set up an arrangement and didnt follow through .. My fault I suppose.

Re: got an offer from First Premier Bank LOL

Isaiah2990 — Tue, 26 Feb 2013 02:08:48 GMT

Haha wow!

Re: Is it possible to get a credit card with the same company you got a charge off from ?

Isaiah2990 — Tue, 26 Feb 2013 01:41:23 GMT

I was pre-approved but still denied in January .. Smh

Re: Is it possible to get a credit card with the same company you got a charge off from ?

Isaiah2990 — Tue, 26 Feb 2013 01:00:03 GMT

I have a Usaa secured .. I had it for about 2 months now.. I was just trying to find a way to get an unsecured card.

Is it possible to get a credit card with the same company you got a charge off from ?

Isaiah2990 — Mon, 25 Feb 2013 23:50:32 GMT

I will be done paying off the charge off through the collection company as of tomorrow and I was wondering if it was possible if I could get another credit one credit card to help rebuild since all my baddies, but 1 will be paid off (a $61 collection)..

Re: Can a charge off report as paid in full ?

Isaiah2990 — Mon, 25 Feb 2013 16:56:18 GMT

Ok, thanks!

Can a charge off report as paid in full ?

Isaiah2990 — Mon, 25 Feb 2013 16:50:43 GMT

Hey guys! I have a charge offed credit one card that mcm is handling I will officially be done paying off the debt along with the rest of the baddies of my report by Wednesday. I wanted to know if there is anyway that credit one could update it as paid in full or is the damage already done ? I spoke with AAFES collections and they told me about a week after they get the final payment ask for a paid in full letter and request for it to be updated on my credit report...

Re: 2 civil judgments from the same place ?

Isaiah2990 — Fri, 22 Feb 2013 23:47:56 GMT

guiness56 wrote:
HoldingOntoHope wrote:
No. Civil and criminal are two totally separate things. If a company is doing an employment background check then they individually set the standard of the type of information they want. I work in a position which requires a government clearance so I had to submit to an evaluation of my life history for the past 10+ years. The civil judgments could be easily discovered if they are in the jurisdiction in which you currently reside. I can go to the county court website and find civil judgments with nothing more than my name. As to what if any effect their discovery would have on employment that is up to the individual employer. They can be used in most jurisdictions to garnish wages for repayment.
I worked for the government also. If they choose to get your entire credit file they can. I had them bring up things that happened almost 20 years ago.

Ehh.. I thought the SOL would only be 7 years, but I guess depending on security clearance.. I don't plan on working for Uncle Sam, I just want a decent paying job after graduation.. and hopefully the judgements won't hold me back from obtaining one.

Re: 2 civil judgments from the same place ?

Isaiah2990 — Fri, 22 Feb 2013 23:03:40 GMT

Oo ok.. I noticed when I looked at both judgements the amount owed was not listed they both said unavailiable and listed the county court and court case number.. Could this possibly hurt my chances of getting an apartment in the long run even though it's not reporting on any of my credit reports ?