Anyone know Honda tiers. Info isn't for me cause I believe I should get the best rates. But I have a friend in the mid 600s. Thank you! ... View more

Anyone familiar or have experience with BMW Select financing? I already own a Bimmer but I'm contemplating getting another one and I'm not sure on whether I should lease or buy new, or buy a CPO. I like the new body style on the 2012 5 series and that is also the only newer 5 series model with xdrive (live in New England). My old car payment on the CPO I bought a few years ago was $550 a month.I was able to pay it easily but this time around I really want to avoid such a high payment. i'm hoping that my 07 530I can give me a trade value of at least 15k so I'm really leaning toward a 2012 5 series. Just wasn't sure exactly how the Select program worked. I drive way too much for the mileage restriction on a lease, but then I figured I could always buy the car at the end of the lease anyway. And did I mention that I preferably only want to keep the car while its under the New Car Warranty (hoping to negotiate that for 100k in miles vs the standard 50k) Any advice would be appreciated. Thank you all, and thank you for helping me take my credit scores from the 550's to the 750's in a year! :) ... View more

From a guy having a 550 credit score and a sole Crap1 card stuck on $500 for 4 years, 18 months later it feels great to have a mid 700 credit score across the board and finally get approved for the Amex blue cash! I actually applied for it about 8 months ago when i cleared all the negs on my report and I had a 775 credit score. Amex gave me a quick decline, which i ddin't understand based on my score, but I think it had more to do with the fact that my only credit card was the Crap1 and my limit wouldn't increase beyond $500.  I pleaded with Crap1 for a limit increase and they told me nope, so I decided I had to risk lowering my score to establish some real credit. I applied for Chase Freedom and i literally had to call a back door number, plead with the guy and he finally approved me for the card with a $500 limit :( At the time i figured maybe the card will grow with me so I used it paid it off repeat but nothing was happening. I went on bofa credit card finder and it said I would prequalify for their cash rewards card with a $3000 limit so I applied. It didn't instantly approve or deny me so I called over the phone and they said they didn't see my app but I could apply over the phone so I did and the rep approved me for $2500! I'm thinking sweet this will be my biggest limit yet but to my surprise I got 2 cards in the mail, the one I applied for online for $3000 and the one the rep gave me for $2500. i was going to cancel the $2500 card because I didn't want 2 of the same card but the rep told me I could transfer most of the line to the other card giving me 1 card with a $5000 limit! I jumped on it and now i went from a $500 Crap1 balance to a $5000 bofa balance in 3 months. i liked the bofa card and the rewards were pretty decent but I still wanted that prime card. i started getting a lot of offers in the mail from Discover More but I was scared to apply because I had Discover when I was in college 10 years prior and the card got charged off for $1000. I figured why not give it a shot whats the worst that could happen so I applied and they instantly approved me for $7500! I'm thinking sweet so i called bofa and requested a CLI, soft pull, and they matched the $7500! Now I planned on stopping there and focusing on the Discover because I hear it's a really good card but then I started getting offers from Amex. First for the Zync, which looks like a really cool card but I don't like the AF and I'm more interested in cash back, then i got an offer for Amex blue, but I still really wanted the blue cash. I used their spending tool and based on me spending conservatively on gas, groceries, etc I would get over $600 a year in cash rewards. i talked it over with DW and decided lets give it one last try and I got instantly approved!!! It didn't tell me my limit yet and I'm hoping its at least up to par with my Discover but i plan on using that primarily so i could rack up the cash!! i wouldn't have any of this success if it was not for these forums and gaining a lot of valuable information so for that I'd like to say THANK YOU THANK YOU THANK YOU!! ... View more

The first thing I'd like to say it that Capital One is horrible! I've had Capone for almost ten years and I've never been late. It started as a $200 secured card based on me having bad credit and throughout the years it has become a non secured card with a $500 limit. It has been stuck on $500 for 4 years now! i really didn't know how credit worked when I had the card but I tried everything for the limit to increase. i asked for increases, I used the card and paid the balance in full each month, I even purposely carried balances and paid the minimum so that they could get interest from me. I figured i had no options due to my bad credit but I have corrected my credit problems and i have maintained a 740+ credit score across the board for over a year now. Capone still wont increase the limit and even though they tell me they routinely check my credit report and will automatically increase if they deem me worthy, but as of yet it is still stuck on $500. What worst is that with my new great credit i decided to get another card who would give me a true limit so I went with a Chase Freedom. Needless to say that they suck also because I had to talk to an account rep just to get approved and then they would only approve me for $500 based on the Capone. I even explained that I make $100,000 a year and they still wouldn't budge based on that Cap1. So the best decision that I made was to go to the BofA site and use their credit tool to see if I would qualify for their card. Based on the tool it said i would qualify for their cash rewards card with a 3k limit, needless to say that I was stoked so i applied but got a message that the app would be processed and i had to wait 30 days for a decision. I figured something was wrong so I called them up and they said that they couldn't find my online app but they could take an app over the phone. I did that and I was approved for $2500 with the rep. i jumped on it. Now here's the good part, the original app must have gotten approved as well because I recieved 2 cards in the mail 1 with the $2500 limit and 1 with the $3000 limit. i called BofA because I was gonna close one of the cards but then the rep told me I could combine the balance to 1 card and leave $500 on the other giving me a BofA card with a $5000 limit!! Now I'm totally pumped and hoping that Cap1 would see this and up my limit but it's been 8 months and they still haven't.  Now I just applied for a Discover More card after countless mailings from them and even though I had a $1000 charge off from them (one of hte reasons why my credit was bad when i got the Cap1 10 years ago lol0 they approved me for $7500!!! Now my main problem is that I want to cancel Cap1 due to the low limit, the AF and the high interest rate but they are my longest credit file and I'm scared it will hurt my score.  I don't kow what to do but I know I want to get rid of that card and get it our of my WALLET!! ... View more

Hello all, first I'd like to say thank you to everyone in the forum! Through this site i went from a 550 credit score across the board in Feb of 2009 to my highest point of 776! (currently 720 based on util and new accounts within the last year to strengthen cr file) Any way my question is about auto refi within the CT area. My wife bought a car about 15 months ago at a horrible 18% 72 months for a certified Altima. The payment is almost 400 buck for 6 years and its just ridiculous. When she got the car her credit score was roughly 600 and now EQ is showing 676. I'm gonna check her TU later today but i know that she took a recent ding because of a SL that is showing a late payment. Also her reports are showing different reporting and her score vary across the board. I thiink my question is does anyone know of any lenders who only use EQ for refi decisions? I think EQ is her highest and best shot.  I have a CU with Connex but i DON'T want to co sign or do the app myself because we will be lookng to get a house soon and if we can't get her scores up I may have to do the mortgage by myself and I don['t want to add more debt to my file. So if anyone could help I'd truly appreciate it! Thank you all ... View more

Hello to all I just wanted to post a success story and hopefully show all that with this site, patience, and the grace of God, we all can get out of our past credit dilemmas. When I started on this site, last Feb, I had a Fico score of rough 550 across the board and through a lot of hard work, responsible use of credit, paying my bills and praying I can proudly say that my Fico's are 775 across the board (seriously no bs :) Well with these great scores I figured I could take on the world and be in the best situation to buy my first home. I did notice though that my Cap1 card (my only credit card) was stuck on a $500 cl for the last 4 years :( (i had the card for 7 years total, started as a secured card with $200 cl and got out of secure status but stuck on $500)  Now I'll admit and say for the last year I haven't used the card much, before I use to carry a balance (normally $400+) on it just to show the payments because I thought it would help my credit and that the cl would increase. But sadly it hasn't and Cap1 wont let me get a cli so I figured with my new scores I should apply for a new "Prime" card. Myfico told me based on my scores I shouldn't have a problem getting approved for a credit card and I should expect a high credit limit. i also have pretty good income, 130k with me and dw, and the only debt I have is my car (BMW 530i 1.9% 5 years :) and a student loan I owe about 10k on. So when I thought of which card I wanted I figured I'd get an Amex blue cash based on the "prestige" of  the card. i applied and when it didn't get instantly approved I thought there must have been a mistake. i called a back door number (courtesy of the forums) and they told me that my EX score was too low and that I had a serious derog :( I knew that my student loan had just got out of rehab and at that time I guess it wasn't updated yet, so I disputed the info on EX and pleaded with Amex that it was a mistake. They told me I could fax them the CR once it was updated but for right now it was denied. i was pissed. I pulled myfico EQ and TU and both had the SL updated and my score were 775. I even faxed Amex my CR from EQ but they weren't hearing it. Finally my EX was updated and even there bs vantage score gave me a B rating or 853 (350-950 range) so I called Amex back explained the situation, even gave them the authority to pull the report again ( I know another hard inq) but I really wanted the card. The rep told me that she seen the EX CR now didn't show any negs at all and that they would review it. I called back the next day and they said that the app was still denied based on a serious derog on my TU now. Now I know that Amex was bs me cause I pulled my TU and like I said there aren't any derogs and myfico was 776. Amex pissed me of so bad I said screw them and I decided to apply for a Chase Freedom card cause I heard its one of the best cash rewards cards. So I applied for Chase and again it wasn't instantly approved and now I was starting to get frustrated and down :( I called the recon number and the credit analst told me since my Cap1 cl was so low it through a red flag. I felt like I couldn't win. The analyst told me that based on my credit he could only approve me for the Freedom with the $500 cl. I felt this was bs when you factored my high scores but I took the card cause I figured I could use it instead of my debit card, pif and the card would grow with me. It was just funny that reading the forums last night and seeing someone post that bofa had a pre qualify option that wouldn't do a hard pull. I went onto the site, did the pre qualify and it said I could be approved for the bofa cash rewards card with a 3k cl. I was shocked, but I felt it was too good to be true so i called over the phone did the app, answered some questions to the anaylst and he told me that he could approve me for the card with there lowest APR and a $2500 cl!! I said sold!!! So now I plan to have my wife use the Chase and I'll use the bofa and hopefully Chase will see the CL with bofa and will try to catch up or surpass that cl! All I have to say is ty bofa for giving me a chance!! ... View more

I've been using this site religiously for the last year and I'm proud to say that I raised my credit score from 550 to 775 across the board. I thought I was doing the right thing and that I would be able to be in a position to actually get decent credit but my **bleep** Cap1 card is holding me down. I got it when my credit was horrible and it was a secured card with a $200 limit. I've had it for 7 years, never been late and its not even secured anymore but my limit has stalled at $500.  I use to keep a 80% util on it just to keep the payment history up and I figured that they would raise it (since they won't give me the option of asking for a CLI) but they still haven't :( Now I go to apply for an Amex blue cash and a Chase Freedom and both initially declined me base on the low balance with Cap1. They don't care that I paid off a car, no negs, pay as agreed on SL and excellent credit scores.. I called the back office of Chase and got a reconsideration approval for $500 based on the Cap1 :( I just don't know what to do, whats the point of excellent scores if you can't get anything with it.. Any suggestion would be greatly appreciated.. ... View more

Hello Everyone, I just really wanted to say thank you! When I started my quest of credit repair last Feb 2009 I had EQ and TU scores of 550.  I was actually minutes away from bankruptcy cause I figured there was no hope for me. When I entered college I didn;t realize the importance of credit and I got credit cards and cell phones at acted foolishly. But this site helped me realize that there is a light at the end of the tunnel and that with hard work and the right info you can clear your credit. So after PFD's GW's and rehabbing my student loan I got an alert today saying that my EQ fico is 776! I almost fainted lol.. I'm still waiting for my dispute to be complete for TU and EX (TU is now 709 but it still has to update for my student loan and EX I don't know) So to all of you that are rebuilding and praying for that day that you have Fair, to Good, to GREAT credit, that day could be here soon! And sooner then you think, good luck!     550 EQ to 776 EQ in 1 year! ... View more

Hello all I have a dilemma that I'm confident the forum can help me solve. My problem is this my wife just purchased a 2008 Altima for 17500 with an 18% APR (OUCH) her EQ was 610 and TU and EX around 560. We felt like we were just lucky to have someone approve her. I'm currently financing my own car, at a ridiculous 16%, and I couldn't cosign to make her rate lower. With that being said here is the kicker within those months I have used this forum and really improved my scores (Feb 09 550 across the board Oct 09 650 across the board and once my student loan rehab is done and neg is removed hoping for 700!) I also help my wife with hers and since she got the car back in July of this year her recent myfico update said her EQ is now 699!  Now here is the real problem I checked her TU fico and its 580 and EX I'm assuming is roughly the same. We want to refi the car to get a super low rate with her EQ of 699 but now sure if finance companies use all 3 or which one uses just EQ to underwrite. The three reports have roughly the same info but some are still showing lates that she disputed on EQ and were removed but not on the EQ or TU. She also has 2 collection accounts that aren't hurting her that bad on EQ but are on TU and EX. So if anyone knows of any finance companies that do business in CT such as Credit Unions. We really need something that only looks at EQ ideally. Thank you and have a great day! ... View more