https://ficoforums.myfico.com/t5/Auto-Loans/Auto-Loan-Advice/m-p/5256542#M77564 <P>I apologize if this is on the wrong forum im a newbie and need some help. I became ill in 2010 with a seriously infected hip replacement. Prior to that i had no nees for credit because i thought i had enough to last me many years if i spent wisely. Well this illness ended up costing me my life savings and now all i have to depend on is my SSDI.<BR />Now its time to buy a new car because my old one died. In looking at my credit report and score im not doing very well. 4 collections all less than $500 each and 1 closed Cap1 auto. I was talked into surrendering my car that i had paid on 100%on time after 49 months. Now Cap1 shows closed with bal of $4223 it falls off in March 2019.<BR />In disputing items on Equifax somehow someone has reported a wrong address. TrustedID by Equifax has me living at 5 different addresses in 3 days. I cant dispute online. I cant check the status of the disputes online i cant do anything online because the address. Ive tried everything and it simply wont let me in.<BR />Ive called Equifax~Equifax has called me~ive emailed Equifax~sent them copies of my drivers license utility bills ssdi statements pieces of random mail anf just cant get it fixed. Ive written corporate. EVERYTHING Today these are my addresses shown<BR />12july2012 1305 Lak... Previous<BR />23may2018 pobox... Previous<BR />24may2018 205 Th... Previous<BR />24MAY2018 128 Ha...Previous<BR />24may2018 102 Do.. Current<BR /><BR />Ive lived at 205 Th.. For over 3 years.<BR /><BR />Equifax 536<BR />Trans 596<BR />Cap1 Auto $4226 closed 6.2 yr<BR />Midnight coll $351 3.1 years old<BR />Midland coll $538 3.4 yrs old<BR />JeffsCap coll$451 3.6yo<BR />Fingerhut coll $300 4.4yrsold<BR />Cred1 Bnk $300 coll 4.7yrsold<BR />Convergent $284 coll 4 yrsold<BR />Natwide med bill $250 6 yrsold<BR /><BR />I NEED/MUST HAVE a new vehicle but i refuse to get stuck in a 29% 7 year loan [guessing]<BR />Any advice greatly appreciated.<BR />Equifax wrong address<BR />Diapute items<BR />Pay items PFD %settlement<BR />Just any info appreciated. And does anyone know of a realistic credit score analyzer. One where i key in my info and it shows potential scores. Tried Credit Karma its close but no cigar.<BR />Thanks<BR /><BR /><BR /></P> Sat, 26 May 2018 04:14:27 GMT Petie1106 2018-05-26T04:14:27Z https://ficoforums.myfico.com/t5/Auto-Loans/Auto-Loan-Advice/m-p/5256542#M77564 <P>I apologize if this is on the wrong forum im a newbie and need some help. I became ill in 2010 with a seriously infected hip replacement. Prior to that i had no nees for credit because i thought i had enough to last me many years if i spent wisely. Well this illness ended up costing me my life savings and now all i have to depend on is my SSDI.<BR />Now its time to buy a new car because my old one died. In looking at my credit report and score im not doing very well. 4 collections all less than $500 each and 1 closed Cap1 auto. I was talked into surrendering my car that i had paid on 100%on time after 49 months. Now Cap1 shows closed with bal of $4223 it falls off in March 2019.<BR />In disputing items on Equifax somehow someone has reported a wrong address. TrustedID by Equifax has me living at 5 different addresses in 3 days. I cant dispute online. I cant check the status of the disputes online i cant do anything online because the address. Ive tried everything and it simply wont let me in.<BR />Ive called Equifax~Equifax has called me~ive emailed Equifax~sent them copies of my drivers license utility bills ssdi statements pieces of random mail anf just cant get it fixed. Ive written corporate. EVERYTHING Today these are my addresses shown<BR />12july2012 1305 Lak... Previous<BR />23may2018 pobox... Previous<BR />24may2018 205 Th... Previous<BR />24MAY2018 128 Ha...Previous<BR />24may2018 102 Do.. Current<BR /><BR />Ive lived at 205 Th.. For over 3 years.<BR /><BR />Equifax 536<BR />Trans 596<BR />Cap1 Auto $4226 closed 6.2 yr<BR />Midnight coll $351 3.1 years old<BR />Midland coll $538 3.4 yrs old<BR />JeffsCap coll$451 3.6yo<BR />Fingerhut coll $300 4.4yrsold<BR />Cred1 Bnk $300 coll 4.7yrsold<BR />Convergent $284 coll 4 yrsold<BR />Natwide med bill $250 6 yrsold<BR /><BR />I NEED/MUST HAVE a new vehicle but i refuse to get stuck in a 29% 7 year loan [guessing]<BR />Any advice greatly appreciated.<BR />Equifax wrong address<BR />Diapute items<BR />Pay items PFD %settlement<BR />Just any info appreciated. And does anyone know of a realistic credit score analyzer. One where i key in my info and it shows potential scores. Tried Credit Karma its close but no cigar.<BR />Thanks<BR /><BR /><BR /></P> Sat, 26 May 2018 04:14:27 GMT https://ficoforums.myfico.com/t5/Auto-Loans/Auto-Loan-Advice/m-p/5256542#M77564 Petie1106 2018-05-26T04:14:27Z