First off thank you for taking the time to look and help.
Just pulled myfico TU572 EQ596 EX617 your thoughts and opinions.
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12-04-2015 05:48 PM
Ok so after using some fako sites I'm finally getting my heart broken. Lol. I started off 2 months ago and I had about 8 neg collections totaling for about 2800.00. Fast forward to today, I have paid off all but 2 of the biggest ones. Just paid off one the big ones a few minutes ago so it won't post for a few days. I have opened 4 secured cards and did some disputing on my EQ and had a lt of them removed. Will have m TU answer on Monday as I disputed 6 of them. Well today I ran my Fico and ifs reported as
TU572 EQ596 EX617
Auto 8 TU 601 625 EQ 624 EX
LAST YEAR literally 12 months ago I got financed at a whopping 24%(I know) on a 14k loan. I did it because I need a car and wanted to show I could make payments (450.00)
now my goal is to get out of it and get a new truck. Is this score worthy or what should I shoot for?
Credit Score: All
AAoA:
# of positive trade lines: below
# of negative trade lines:below
Income:60k
Lenght of Employment: Manager 2 years
Previous Loan Experience: look below 12 months good payments 450.99 a monyh
Debt-to-Income (DTI):
Year of Car: 2010 f150 platinum
Miles: 86,900
Purchase/Refinance: Purchase or lease purchase
Requested loan term (XX Months)
pen
Down payment amount:20k with a 3k rollover negative from trade in
Co-borrower/Co-Signer: no
Credit Used
Revolving Debt
$56.00
Revolving Credit Limit
$800.00
Revolving Credit Usage
7%
Real Estate Debt
$0.00
Installment Debt
$15,058.00
Total Debt
$15,114.00
Negative Information
Accounts Ever Late
3
Accounts In Collections
1
Time Since Negative
0.3 year(s)
Inquiries Summary
Inquiries
13
Public Record Summary
Public Records
1
Length of History
Oldest Account
12.1 year(s)
Average Account Age
3.2 year(s)