Reply
Established Member
sok454
Posts: 54
Registered: ‎06-06-2012

Think we will get denied

So I had gotten my scores up to about 650 in the last 6 months... paid off a bunch of debt etc.   Well I get a myfico notice that my score has fallen to 564 because my ex-wife missed a payment on a cc that I am still listed on.  Of course we are now in the process of looking for a car... and i'm afraid we will be denied when we go to apply for the credit.  So annoyed.


Starting Score: 596
Current Score: 646
Goal Score: 720+


Take the FICO Fitness Challenge

Established Contributor
guydiver
Posts: 534
Registered: ‎08-30-2007

Re: Think we will get denied

Is the card a "joint" account, or are you only AU?

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 11.5K, Travelocity AMEX 18K :
Take the FICO Fitness Challenge




Established Member
sok454
Posts: 54
Registered: ‎06-06-2012

Re: Think we will get denied

It is a joint account that she will not close.  I also show up on a discover card that has 6k on it that she has.   So annoying.


Starting Score: 596
Current Score: 646
Goal Score: 720+


Take the FICO Fitness Challenge

Established Contributor
guydiver
Posts: 534
Registered: ‎08-30-2007

Re: Think we will get denied

Contact the credit card company, try to GW the late payment.  You need to get that card closed because you are going to be liable for it as long as it remains open, and until it is paid off.  Otherwise, to protect your credit, you will have to make certain that payments on the account are kept up to date until it is paid and closed, or forever....whichever comes first.

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 11.5K, Travelocity AMEX 18K :
Take the FICO Fitness Challenge




Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Think we will get denied

+1

Frequent Contributor
dabrian
Posts: 280
Registered: ‎12-10-2012

Re: Think we will get denied

Find a new wife.

NFCU Sig Cash-20k, Amex BCP-8k, Amex Costco-1.2k,CSP-8k, Freedom-5k, Discover IT-11k,NCSECU-5k,Walmart-10k,Lowes-8.5k
Contributor
GreatCreditFor2012
Posts: 95
Registered: ‎02-26-2012

Re: Think we will get denied

LoL @Dabrian




myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+