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Hello all-
I'm very new to this so please bare with me.
I started on this credit repair journey in April 2015 when I decided I wanted to a) trade in my car and b) begin prequalifications for a home in the next 12 months. I pulled my CR's and joined MyFico. Scores have all gone up considerably (at least in this site), but when I went to get a loan at a car dealership, they were still significantly low and I was denied, even though I have near perfect car credit (5 loans and only 1 has ever had late payments), as well as over $100K in verifiable income and minimal debt (live with parents.... at least on paper.) Also, I have about $20K credit card limits with under 20% usage.
That said, I need to address a some baddies on my CR and am looking for some insight as to who and how.
Enhanced Recovery Company ( C/O for Sprint) $889 ---- set to come off June 2016
Midland (C/O for Conns) $408 & $3505 ---- set to come off August 2016
AWA (for AAA) for $666 --- set to come off 11/2020 ---- I want to pay this off just to get that # off my C/R
Conn's $2100 --- no date given for when it will stop reporting/ last activity in Sept 2009
Also, I have 2 defaulted Sallie Mae loans ($7K total) that are on my CR twice (4 lines total) as well as showing up as ANOTHER TL with PHEAS (the new servicer).
So thats only 2 loans, but 6 lines on my CR and I'm worried that it appears as 6 different TL's.
Should I send PFDs to Enhanced and AWA to get those off? Or wait and let Enhanced fall off next June? Or can I request that sooner?
Thanks!
wow, where did you go that you got turned down? the probability is that you were too upside down rather the credit?
Nah, it wasnt that because I was planning on selling my car privately (not trading in). I was trying to get a loan for $42K from BMW Financial (and whoever else they submit to) and got denied.