Progress progress progress YAY!!

[Aduke1122]

So my fiancé and I have been rebuilding and repairing since we got laughed out of every dealership in town in Feb of this year after trying to get a car financed . The only thing they would even offer was sub prime crazy 25 percent interest . We walked and decieded then and there we would get copies of our reports and find out exactly what is what and why we were denied , well I knew my issues which were my student loans being in default and I have been in rehab and only have two payments left yay.. but I also had about 7 collections , disputed some bc they truly were not accurate so now I'm left with 2 on EQ and 3 on the other 2 CRAs , anyways my Fiance's reports were much harder to even optain and we had no clue why , he had a slight idea that his mom had opened some accounts in his name for cell phones and cable and crap like that but he wasn't aware how bad it was , we couldn't even get copies of his CRs bc they couldn't verify his ID so we went around with them for over a mth sent in ID'S and all that and they finally just now in May let him have access to his reports , on a another note we kept getting deniel letters from the car financing places that some would say that his bday and ssn didn't match what the CRA had on file , anyways so we knew something about his identity was off on them . So we finally got access to his reports and my goodness what a COMPLETE MESS THEY WERE!! His bday was wrong , they had the wrong SSN on him , addresses he never lived but his mom did , so he knew it was all her doings, now we get to the collections part he had 10 collections plus 2 charge offs on every report in which only 2 of the debts were truly his . So immediately I disputed with all three CRAs and TU came back that all the accounts were deleted besides the two that are infact his , EX came back this morning with the same results so bow we are waiting on EQ to get done . It is such a relief that these collections were deleted bc we didn't have tje money to pay all them off esp being he didn't do it . Amd a BIG THANKS FOR ALL THE HELP FOR EVERYONE HERE!

[RonM21]

Very nice job tackling all of this. Glad to hear you had so much success in correcting the info, as well as getting negatives removed.

As a suggestion, before you just get financing with anyone, see what your scores are and read these threads on possible options you may have. I'd hate to see you approved, but for a terrible subprime rate.

[Aduke1122]

Yes since I started all this I have been learning so much , and bf we make any big moves I will be researching these forums like crazy, we still have a little ways to go paying off the rest of our collections and working our secured ccs to help our scores and payment history . I won't be out of default on my student loans until Sept , so we are gonna shoot for first of next year to try again with a car , IF our old one holds on that long !!

[Aduke1122]

And that was exactly why we walked out of them dealerships bc we were determined to not be cheated and get stuck with the sub primes rates , I knew enough about all of that to know we wouldn't even be paying on the principle balance for two years or more ..NO THANK YOU , I know some ppl may have no other option but to do these sort of loans but thankfully our car still has some life left so we can work things out.