@mikey78 wrote:Last Question then I'm going to be reapplying with them at a later date
but how much later should i reapply? I was going on the assumption that since i'm declined now I should reapply 1 year?by then they will see my IT, Freedom, BofA cash rewards, and Bofa better balance rewards cards and they all have much higher CL' combined then the ones that were closed or should i wait until the Judgement and Toyota comes off the report?
IMHO a year they will need to see a strong history of using your cards and high limits so keep your head up good luck with the future car.
keep moving forward time heals
I would also try GW toyota can't hurt but ask in rebuilding maybe someone has direct experience with them 
I have no idea what IMHO means 
and GW toyota?
I have no choice but to move forward, but sucks that that i couldn't get the dream card Amex
I'm planning on getting a car within a year or two hehe hopefully i can get a nice Infinity fx with great financing with better credit lol
IMHO= in my honest opinion
GW= Goodwill
myjourney, you type fast
GW= Goodwill
myjourney, you type fast
@09Lexie wrote:
IMHO= in my honest opinion
GW= Goodwill
myjourney, you type fast
Every now and then but not often I beat you Ha ha ha
Seriously thank you for your help
I was planning on making a call to Toyota motors financing department but I guess writing a letter will be better served
In your opinon do you think it's better to address it to customer relations department or who do i make this letter out too?
I guess i'll try to call them and find out who would handle past accounts that deliquent accts
