I have been a member for just shy of two months now and decided to finally post. I will be turning 30 this December and want to fulfill a life long dream/promise to myself of having a Porsche before I am 30. So I would like some options on what I can do differently to enhance the chances of being approved for a Porsche.
Current scores EQ:638. TU:634 EX: 663
Auto enhanced EQ
5)611,(8) 613 TU8) 638,(4) 650 EX2) 607, (8) 619
Credit report:
AAOA:45 months
Chapter 7 bankruptcy filed July 2011, Discharged July 2012
Current collections: medical $121, Verizon $1054 from 5 years ago that I have been fighting since.
Only Auto baddie- Santander showed charge off with $4866 balance. Settled for $2100 1/27/2017. Didn't update on any of mine yet shows 0 on my wife's updated 2/15/17.
Santander was voluntary repo with no late just charge offs since feb 2015. Very bad situation with the vehicle. At the time had a quick lube place change the oil, blew the motor in under 100 miles, fought the quick lube place yet nothing came out of it.
Since the repo I have had six auto loans all with no lates and with only two currently open. Every loan was over $27k.
Current Auto loans have balance of
$19,023
$25,047
Credit cards:
Capital one Secured-($451) $0 Balance PIF for last 3 months
Capital one Secured- ($301) $0 Balance PIF for last 3 months
Best Buy CITI card -($300) $0 Balance PIF for last 3 Months
Amex Blue everyday -($500) $0 balance PIF for 1 month. Just opened 1/14/2017 with 646 EX.
Only other debt is student loans with $1308 balance paid down over last 13 months with No lates.
Is is it all all possible to attain a credit score over 700( preferably 740!!!) by December 2017? What else can I do differently?
