06-27-2013 07:55 AM
HEY!! I RECENTLY GOT AN AUTO LOAN APPROVAL WITH MY 606 FICO SCORE.. I WASN'T TOO SURPRISED BECAUSE I RECENTLY GOT ALL THE BADDIES OFF MY REPORT SO AT THIS POINT I WAS JUST BUILDING MY SCORE... ANYWAY I GOT APPROVED FOR MY SECOND AUTO LOAN.. I TRADED IN MY 2006 CHEVY IMPALA WHICH I STILL OWED 8500 ON AND GOT A 2013 CHEVY CRUZE AND THEY BOUGHT MY IMPALA FOR $7000 SO I ONLY HAD THE REMAINING $1500 ADDED TO MY LOAN SO MY PAYMENTS ARENT MUCH HIGHER THAN WHAT I WAS PREVIOUSLY PAYING!!! YAY ME!!! THEN A FEW DAYS LATER I SAW THAT MY FICO SCORE JUMPED 50 POINTS!! IM NOW AT 656.. JUST WONDERING NOW THAT MY CAR LOAN WITH CAPITAL ONE IS PAID OFF AND I HAVE A NEW LOAN WITH ANOTHER COMPANY SHOULD I SEND CAP 1 A GW LETTER TO GET RID OF THE 30 AND 60 DAY LATES. THE MOST RECENT 30 DAY LATE WAS IN JANUARY AND IVE BEEN CURRENT EVER SINCE. LIKE I SAID I HAVE NO MORE BADDIES AND I KEEP MY 2 CC AT 10% OR LESS UTILIZATION.. ANY INFO WOULD HELP ON THIS ONE GUYS!! THANKS
06-27-2013 11:50 AM
06-27-2013 01:11 PM
thank you so much. I didn't know if I should send anything yet being that my new car loan hasn't even reported yet and my cap 1 auto loan isnt listed as paid off yet... what do u recommend? should i wait a month everything report correctly first?
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