Need a car ASAP - WAS DENIED BY MY CREDIT UNION - Any advice on any of what I have included would change my life in a great way.
How do I get approved? I can pay cash for the car up front, but I am trying to build credit through the credit union who offered me 8% if was approved, but i was denied because of insufficient credit history. I have 3 months veriable income of 3K per month, and 2 years of income earned outside the USA, printed in a different language but absolutley valid.
610 score EXPERIAN 611 TU, 593 EQUIFAX, 6 Inquires in past 2 months,
Positive Score Factors
- You have at least 4 open accounts on your credit history.
- You are wisely using your credit cards, and have kept the average amount of debt on your cards below 15 percent of the card limit.
- You paid all your credit cards on time in the recent past.
Negative Score Factors
- You have applied for credit 6 time(s) in the recent past.
- You have an unpaid amount on at least one installment account that is in collection and/or " Past Due".
- Your credit history shows a large proportion of 'Charge-off" and "Collection" accounts.
Other Debt | Minimum Monthly Payment | Actual Monthly Payment | Balance | Rate | Payoff This Debt? Settle? | Edit | Remove |
Totals: | | $0.00 | $8,653.00 | | | | |
L J ROSS AND ASSOCIATE | $0.00 | $0.00 | $3,633.00 | 18.00% | | | |
L J ROSS AND ASSOCIATE | $0.00 | $0.00 | $2,043.00 | 18.00% | expires next month | | |
Sprint | $0.00 | $0.00 | $1,857.00 | 18.00% | | | |
J J MARSHALL & ASSOC | $0.00 | $0.00 | $439.00 | 18.00% | | | |
DTE ENERGY | $0.00 | $0.00 | $249.00 | 18.00% | | | |
BUREAU OF MED ECONCS | $0.00 | $0.00 | $218.00 | 18.00% | | | |
CONGRESS COLLECTION CO | $0.00 | $0.00 | $118.00 | 18.00% | | | |
| | | | | | | | |
BANK OF AMERICA 1ST PROGRESS/1ST EQUIT | $35.00 | $0.00 | $39.00 | 18.00% | NEVER RECIEVED SO I CLOSED | | |
PREMIUM COLLECTIONS SE | $0.00 | $0.00 | $7.00 | 18.00% | PAID BUT STILL SHOWS | | |
Other Debt
Credit Cards/Revolving Accounts
Account NameAccount #BalanceBalance DateMinimum PymtLimit
BANK OF AMERICA | ...2595 | $0 | 08/24/2012 | | $300 |
CAPITAL BANK | ...2669 | $50 | 09/03/2012 | $25 | $500 |
Credit Inquiries = 6
CREDIT UNION
Credit Unions
09/19/2012
FCU
Bank Credit Cards
09/19/2012
1STPROGRESS/
Bank Credit Cards
08/26/2012
BANK OF AMERICA
Bank Credit Cards
08/24/2012
NCCINC/FELDMAN KIA 2
Automobile Dealers, New
08/10/2012
Collections Attorney
07/16/2012
LOANS
Mortgage Reporters
01/10/2012
Collections Attorney
04/30/2011
Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
