I have credit that's right around 700 (EX is 720, the rest are hovering, the scores in my siggy are dated). I have 16,600 in avaiable credit and a 14% util. I've had my $17k auto loan (first ever) since January on a 2011 BMW 5 series that is at 13.3% with a monthly of $393. I'd like to re-fi, but I'm on Chexsystems which means a lot of banks just cant do it. Are there any institutions out there that can make it worth me refinancing? There has to be a better rate out there.
Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.
As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500
TOTAL 2018 CREDIT LINE: $61,200
JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.
CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)
SPRING 2026
ALL BADDIES DROP
