I know this thread is a bit old, but like to ask anyone that has experience with Promise Financial. I just read it needed a score of 660+ with TU? but on their site it says 620+ can anyone give some insights?
Also, when you do a Pre-Qualification check and denied, does that mean you can't request another Pre-Q? the reason I'm asking is that I have a collection in my account that was put in just very recently 5 months ago and it was a fault by mixed up from school. Anyway, they have rectified the situation and they are deleting this collection which I hope will help with my credit score once deleted (5 months old, CA, $4500 balance). It will leave 1 CA on my report for $137 and due to come off on 12/16. I tried to check my rate on Sofi and I was declined with a score of 662 on EX showing the above CA. I called and was told I can't apply again until after 60 days. OUCH...
Well, I have open installment loans for all my student loans at $7,000+ all in all and I want to just have all of it consolidated. My TU has the lowest score at 635, they are still trying to delete my student loan rehab baddies that's taking them longer than EX. AAoA is 9 years 2 months, 18% UTI but should be at 3% by tomorrow when Penfed reports. I make $80K +/- not using household income but if I have to we'll be closer to $200K+/-. 17 INQ and 9 New Accounts. I got app happy, I know...
