roo
New Member
roo
Posts: 6
Registered: ‎09-18-2012
610 score, previous repo fell off, and was DENIED, HELP!

Need a car ASAP - WAS DENIED BY MY CREDIT UNION - Any advice on any of what I have included would change my life in a great way.

 

How do I get approved? I can pay cash for the car up front, but I am trying to build credit through the credit union who offered me 8% if was approved, but i was denied because of insufficient credit history.  I have 3 months veriable income of 3K per month, and 2 years of income earned outside the USA, printed in a different language but absolutley valid.

 

610 score EXPERIAN 611 TU, 593 EQUIFAX, 6 Inquires in past 2 months, 

 

 

Positive Score Factors
  • You have at least 4 open accounts on your credit history.
  • You are wisely using your credit cards, and have kept the average amount of debt on your cards below 15 percent of the card limit.
  • You paid all your credit cards on time in the recent past.
  Negative Score Factors
  • You have applied for credit 6 time(s) in the recent past.
  • You have an unpaid amount on at least one installment account that is in collection and/or " Past Due".
  • Your credit history shows a large proportion of 'Charge-off" and "Collection" accounts.

 

 

Other Debt

Minimum Monthly Payment

Actual Monthly Payment

Balance

Rate

Payoff This Debt? Settle?

Edit

Remove

Totals:

 

$0.00

$8,653.00

 

 

 

 

L J ROSS AND ASSOCIATE

$0.00

$0.00

$3,633.00

18.00%

 

 

 

L J ROSS AND ASSOCIATE

$0.00

$0.00

$2,043.00

18.00%

 expires next month

  

Sprint

$0.00

$0.00

$1,857.00

18.00%

 

 

 

J J MARSHALL & ASSOC

$0.00

$0.00

$439.00

18.00%

 

  

DTE ENERGY

$0.00

$0.00

$249.00

18.00%

 

 

 

BUREAU OF MED ECONCS

$0.00

$0.00

$218.00

18.00%

 

 

 

CONGRESS COLLECTION CO

$0.00

$0.00

$118.00

18.00%

 

  
     

 

 

 

BANK OF AMERICA 

1ST PROGRESS/1ST EQUIT

$35.00

$0.00

$39.00

18.00%

NEVER RECIEVED SO I CLOSED 

 

 

PREMIUM COLLECTIONS SE

$0.00

$0.00

$7.00

18.00%

 PAID BUT STILL SHOWS

 

 

Other Debt

 

   Credit Cards/Revolving Accounts

 
 

Account NameAccount #BalanceBalance DateMinimum PymtLimit

 BANK OF AMERICA
...2595
$0
08/24/2012
 
$300
 CAPITAL BANK
...2669
$50
09/03/2012
$25
$500

 

 

Credit Inquiries = 6

 

CREDIT UNION

Credit Unions

09/19/2012

 

FCU

Bank Credit Cards

09/19/2012

 

1STPROGRESS/

Bank Credit Cards

08/26/2012

 

BANK OF AMERICA

Bank Credit Cards

08/24/2012

 

NCCINC/FELDMAN KIA 2

Automobile Dealers, New

 

08/10/2012

Collections Attorney

07/16/2012

 

LOANS

Mortgage Reporters

01/10/2012

 

Collections Attorney

04/30/2011