Epic Contributor
Posts: 25,818
Registered: ‎10-23-2007
Re: 610 score, previous repo fell off, and was DENIED, HELP!

Are all these balances with the collection agencies current? like you have not paid them and still owe them?

If you can pay cash but want to rebuild I don't understand why you say I don't want to tie all the money up until loan is paid off... you just said you could pay cash if you had to!

second, if you are trying to rebuild and you do this secure option, you could technically wait a year or so and apply elsewhere or with them to refinance and move away from the secured?

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015