That's wonderful atlast!! Good for you!
atlastontheroad wrote:As I've been posting since February, this is just an update.Today I took my paystubs and my TU report pulled this morning into my CU, hoping to get an approval on a small-ish car loan. Oh, and my 678 TU score pulled mere hours before the transaction? The CU says it's 690!APPROVED in less than 60 seconds from submission! IR = 4.99 on a two year old car!The seller arrived five minutes later with the title. We sat at the loan officer's desk and wrote the bill of sale. There was no check cut, it was a transfer into her CU account. We had our insurance company on the phone, they faxed the binder in three minutes.I got instantly approved for an UNSECURED credit card with the same INQ. 5k. The seller app'ed for the same card and asked for 10k. Instant approval (her score is well over 800).One hour in the DMV, twenty minutes at our mechanic to do inspection and plate transfer.Six months ago I would never have believed that this was possible. My fear of rejection based on baddies was palpable.atlast....beyond happy, new (to me) car in the driveway, old car being detailed for sale next week.
Since finding this forum I have had much success. I have was able to get two Paid collections accounts removed, and also get a 1 (30 day late) removed from Cap One. In just a year with constant work I have been able to boost my scores tremendously. My scores are current as of today and there are still a few disputes I have in progress with some AU accounts I am requesting be deleted as they are hurting my UTIL and it’s not my bill. Also a few of my new accounts have not yet posted I went APP crazy this month but that’s it for me I am going to sit and let them age. But I KNOW once they hit they are probably going to drop me for a little. Thank you to everyone on this forum.
Ficos 05/30/08: TU 737 EQ 717 EX 689
Ficos 03/19/07: TU 624 EQ 618 EX 592
Fakos 05/30/08: TU 749 EQ 730 EX 702