I'm hoping someone might be able to give some advice.... My car crapped out and I have to get a new one. I don't have any other way around it as the cost to repair mine is not worth putting into it. I'm not sure how I will ever possibly be able to qualify for one. I applied last year after I bought my first house but I waited too long and the house hit my report.
Long story short, my scores are all around mid 600's except Tranunion showed 603. I just paid off about $4,500 worth of credit cards so I'm waiting on my reports to update before I make any moves. It just feels like it's going to take forever for all of them to update. However, after paying off several small ones, my utilization is at 45%. I've heard that Unify is rather flexible with that and inquiries. I have several inquiries, about 20, due to buying my house and the dealership running my credit a million times although it was to only be ran through one place and one place only.
Anyone have some experience with them and have less that perfect credit at the time? Also, is there any way to get your report updated faster or is it just a wait and see when the cards will eventually update?
