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since
11-27-2007
12-10-2016
wfreeman3
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62
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1
Kudos
10-14-2010
04:56 PM
I recently applied for and received an instant online approval for 5K. They pulled EX. Current score "pulled by my CU" is 709. 3 inq, no baddies, 35% util.
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05-24-2010
06:12 PM
Any recommendations for RV financing. A TU puller would be ideal.
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01-08-2010
10:11 AM
Pretty happy I read this thread. I kept telling myself.. NO MORE APPS!!! but, the thoughts of a 17.5k card kept me up at night. I applied on Sunday and just called... APPROVED 15K!!!. Highest limit to date.
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12-04-2009
07:38 AM
I just used the automated CLI request from the phone number on the card. I asked for $ 500.00 and it was approved with a soft. This was my first request since 05/2008. I made a note to try again in 6 months.
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11-29-2009
06:11 AM
Keep in mind that CreditKarma is FAKO, and 710 could mean a lot less or a lot more in FICO terms. I would first suggest that you pull your TU FICO to know exactly where you stand if your trying to pinpoint a possible approval. If your real FICO is 710 or higher, I would recommend either Discover or PNC (National City).
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11-27-2009
05:39 AM
CLI Total $2,500
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11-22-2009
06:12 AM
The same thing happens to everyone that applys. The Ameriprise will show up in the near future on your reports. No negative effect with the closed account. Too many new accounts is one of the denial reasons, so it depends on what the rest of your report looks like.
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11-05-2009
02:43 AM
I can answer the "only 1 VA loan question". You can only have 1 VA loan at a time, but if you sell the home you have a VA loan on, you can get another.
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10-31-2009
06:50 AM
When figuring your DTI ratio without selling your original house you need to add in not only the mortgage payments on both homes but also taxes, insurance, and HOA (if applicable) in addition to utilities. When you start adding it up your DTI ratio quickly runs over 100%. If you are thinking about leasing out the first home I think some lenders will give you credit for 75% of the lease amount if you have a signed lease.
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10-24-2009
05:08 AM
I had an account in good standing with them that I opened 30 years ago. It no longer appears on my reports as I just stopped using it. I wonder if they will re-instate that bad boy... I sure could use that aging.
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10-22-2009
05:19 PM
Looking to get 55k loan on my manufactured home located on a leased lot in Florida to pay off auto loans. Any suggestions?
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10-21-2009
05:42 PM
No I did not pay anything. After 6 years and SOL running out for an account they paid 5 bucks for, they probably don't think its worth the time.
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10-21-2009
03:42 PM
Back in June I received this same information in letter form from AFNI. The account was still listed in August so I photocopied the letter and sent it to all 3 of the CRB's and ask that they please remove the account as requested. All 3 denied my request stating that this was insufficient information to remove the account. Yesterday I sent AFNI an email to inform them of the status. This was there response: ----- Original Message ----- From: RecoveryTeam Sent: Wednesday, October 21, 2009 9:48 AM Subject: Your Inquiry P.O. Box 3427 Bloomington, IL 61702-3427 404 Brock Drive October 21, 2009 P.O. Box Bloomington, IL 61702-3427 Bloomington, IL 61702-3427 Afni, Inc. Account #: XXXXXX50-2 John Doe Original Creditor: VERIZON INC. 123 Main Street Creditor Account #: XXXXXX4342030715 Social Security: XXX-XX-XXXX Somewhere in, FL Balance Due: $128.47 This letter is to verify that we have filed a request with the credit bureaus to delete the account listed above from your credit report. If you have any questions, please contact our office toll free at 1-888-827-6002 Monday through Friday 7am – 9pm CST. You have the right to inspect your credit. This letter is from a debt collector. Sincerely, Afni, Inc. Any idea's of what else I can do to get them to remove this account from my credit file? I have disputed it every which way I could think of, but it remains Thank you for your insight!
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10-18-2009
05:03 AM
I have a "Household" card from HSBC that I have not used in at least 2 years. I just checked and its still open... I don't really care if they cancel it. I have 50k in CC limits and this one is 400 bucks.
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06-13-2009
04:50 PM
My credit scores are in the mid 700's and I have: National City : 15,500.00 Ameriprise : 10,000.00 Partners CU : 10,000.00 Discover More : 9,800.00 These are pretty recent, only the National City has had a CLI. The rest all started where they are.
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05-11-2009
06:43 AM
Revolution Card 5000 14.99% Liberty Bank 5000 9.96% Krogers Visa 5000 12.99 %
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04-29-2009
05:17 AM
I have had mine for a few weeks now. It does not report to any CRA. I got an instant 5k limit @ 14.99 with an EQ pull. Got my card in 7 days. I got 50$ off gasoline at Murphys (Walmart Gas). I use it at Publix and BJ wholesale club for grocerys.
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01-27-2009
06:08 PM
I did cancel Verizon phone service around that time but, I honestly don't remember not paying a bill.
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01-27-2009
04:24 PM
I had a collection on all 3 CR from Verizon for $128. The CA was NCO. I disputed them every month for several months and they eventually all came off. Now the same account has shown back up on all the reports from AFNI, CA. Is there anything I can do other than start all over with disputes?. The account is scheduled to be removed in 2012.
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12-21-2008
06:22 PM
Your simulated FICO® score would be in the following range: 808 - 848 LOL Gotta love the simulator
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10-04-2008
05:34 PM
I have one collection and one 30 day late pay both from 2001.
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10-04-2008
05:03 PM
I pulled my TC today and I was pretty excited that a judgement from 2002 was removed from my Experian credit report. TC showed a score increase of 67 points, so I was motivated to pull my FICO in hopes that my 688 score would far exceed 700. I was pretty depressed to see that it actually fell to 668. Any Ideas?
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08-01-2008
08:21 AM
Income of 3500 a month. Car payment 538 per month. Motorcycle payment 305 per month. No other debt. Never claim BK. No late payments last 5 years.
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07-26-2008
05:20 AM
And sometimes.... there is absolutly NO relationship to a major change in FAKO. My CCT for EQ has been 603 for a couple months now with my FICO at 689 with no real movement in either score. Two days ago my CCT for EQ jumped to 711. I thought WOW a 108 point jump, let me feed the FICO monster and see a big jump. $10.95 later my EQ FICO is still 689 :(. Lesson learned... FAKO scores are useless. Message Edited by wfreeman3 on 07-26-2008 05:22 AM
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07-14-2008
07:11 AM
Honest Opinion. No. Sorry. American General might finance if you put a large downpayment but even that might be a stretch. Your probably going to need a co-signer.
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07-11-2008
05:58 AM
In Florida Capital One pulls Experian. Your score should get you something with them.
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