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05-22-2013 12:16 PM
Looking at my report, most of my delinquencies will be 2+ years old by December. A TD Bank auto loan that I cosigned on (that is now paid off) went delinquent twice in 2012, so those are more recent.
For my new auto loan, I agree, that 1.9% is very attractive, almost too good to be true. To get that loan, I went to a local Ford dealership (Autofair Ford), and got the loan through Ford Motor Credit. The dealership definitely tried a few big name banks first (I got 3 denial letters in the mail a few weeks later). However, FMC ultimately approved the loan. 72 months is of course a long time, but now the car is completely warranteed throughout the life of the loan.
05-22-2013 01:51 PM
I would like to participate in the fitness challenge, and since i'm a newbie to the FICO forums, could anyone help me out? I have no idea how all of your signatures? have the fitness challenge icon w/ starting score and so forth.
05-22-2013 02:55 PM
Hello all, Started working on my credit last year in order to buy a home. Went the secured card way and now stuck with them until I close on a home!! Kinda sucks... they have my deposits... I have their high interest rates!
05-23-2013 05:23 AM
May Update (so far):
Paid 2 collections accounts.
Paid 2 credit cards to $0 balance, $650 left on the 3rd credit card that has a $750 CL.
Student loans out of rehab, new servicer reporting. EX & EQ have deleted Dept. of Ed collection account tradelines, TU dispute pending.
Stuck to the household budget and all bills paid on time!
Pay last collection account of $429.
Settle charge off of $1494 for an account with an original balance of $750.
Try for goodwill on removal of paid collections.
Request a CLI on my existing unsecured cards.
05-23-2013 08:57 PM
Woo hoo! Got this email from Capital One today:
"You're a great customer, and we appreciate you. That's why we're happy to give
you a credit line increase - you deserve it!
Your new credit line is $1,500.00.
That's an increase of $1,000.00."
YAY - hopefully this will give me a good FICO boost soon.
05-23-2013 09:20 PM
Which card do you have with Cap One? Its pretty nice that you got such a raise given your score. How long have you had that card?
05-24-2013 04:59 PM
I actually have two cards from Cap One. Last year I got a secured card from them, and then about six months ago I applied for a "regular" card (platinum?) and was approved. I have been paying in full every month for almost a year on secured card, and for 6 months on unsecured card.
secured - $300 limit, opened 6/12, 22.9% APR
unsecured - $1500 limit, opened 11/12, 0% APR
05-27-2013 10:21 AM
a little boost on my score, even before my new CL was posted!
|Your FICO® score has gone up to 607 on May 26, 2013.|
one little step at a time!
05-30-2013 01:49 PM
Hello I am new to this and am loooking forward to increasing my score! My goal is to buy a home in 18 months. Right now my score is 455 ( Very bad) Wish me luck!