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finance a car or open a new credit card - what to ...

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25 Replies 632 Views

25 Replies

632 Views

Approved with a cosigner only. What should I look ...

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8 Replies 2650 Views

8 Replies

2650 Views

Co-signing and DTI Calculation

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2 Replies 2299 Views

2 Replies

2299 Views

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1037 1
1099-C 2
18 2
180 day grace period 1
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700 club 3
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AAOA 9
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address change 2
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Auto Loan 15
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cap1 3
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Charges 2
Chase 23
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chase freedom 2
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default 1
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Deferral 1
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Deliquent payments 3
Denial 3
denied due to many inquiries 2
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
derogatory mark 4
Derogs 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
discount 1
Discover 10
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 3
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dispute 19
dispute process 9
Dispute threshold 1
Disputes 46
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diverse credit profile 1
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 7
Dog Sitting 1
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drop in experian score 1
Dropped Scores 4
DTI 7
DTI ratio 2
due date 1
due dates 1
early exclusion 4
education 1
EE 2
Elastic 1
employer 1
Employer credit pull 1
employment 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 48
equifax credit freeze 1
equifax dispute 4
Equifax Fraud dispute 5
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
estimate 1
Etc... 1
eviction 2
Excel 1
Exeprian dispute online block 1
Experian 54
Experian app score 1
Experian Boost 2
experian FICO 3
experian phone number 1
Experian. Dispute. 9
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 10
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 14
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 23
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 9
FICO announcement 34
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 356
FICO Score 3B Report 5
FICO Score 9 32
FICO Score changes 684
FICO score drop 1
FICO Score Model 1
FICO Score versions 235
FICO scores 5
FICO Scoring 18
FICO Ultimate 3B 4
Fico versions 2
FICO2 1
FICO8 Bankcard 1
ficoscore 1
finance 3
Financial Review 1
financial trouble 1
financing 3
First card 1
First Mortgage 1
first premier 1
First-time home buyer 6
fix 1
fixing my credit 2
flagged account 1
flex 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 81
Fraud alert 10
fraud attempt 3
fraud dispute 3
Fraud protection 1
fraudulent 3
fraudulent account 1
free 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 7
freeze credit 5
Frontline 1
Frozen and fraud alerts 3
full credit history 1
Full File Disclosure 1
Fun 1
furniture 2
Garden 1
Gardening 5
garnishment 1
GC Collections services 1
General credit 15
General Credit Topics 3
General Question 6
good credit 1
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 2
Google pay 1
graduate loans 1
graduation 1
great sports 1
Green Card 1
growing 1
GW letter 1
h 1
Hacked 1
hard 1
Hard inquiries 10
hard inquiry 5
hard money 1
Hard Pull 10
Hard pull inquiry 5
hard pulls 1
hardpull 1
HELOC 5
help 14
Help Boost my Credit 2
Help ME!!! 2
help with collections 3
Help! 5
high credit utilization 1
high interest 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 1
Household Income 1
housing 2
Housing Payment 1
how many cc's 1
HP 7
Hunter Warfield 1
Hutton chase 1
I hate closing points 1
IC SYSTEMS 1
identity 4
Identity fraud 14
identity guard 3
identity theft 31
idk 1
illegal 2
immigrant 1
Impact 1
impact on future FICO 1
impersonation 1
improve 1
improving credit 4
Inaccurate info on report 3
income 1
Income Verification 2
incompetency 1
incorrect 1
incorrect reporting 3
Increase 5
Increases 1
initial limits credit union usaa 1
Innovis 2
Inquiries 22
Inquiries FICO score 7
Inquiries Summary 5
inquiry 12
installment 1
installment loan 9
installment loans 1
insurance 6
intent to sue 1
interest 3
interest fee 1
interest rates 2
internet 1
invalid debt 1
investigation 1
Investing 2
iphone 1
iphone loan 1
iphone upgrade program 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
iup 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 2
judgement 4
Judgements 1
judgment 2
junk debt 1
Kohls 1
L 1
landlord 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 1
late payment 13
late payments 11
late reporting 3
Late to the Credit Party 1
Law 2
Law suit 1
lawsuit 4
learning curve 1
lease 6
legal 4
legal action 2
legal advice 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
Lenders 1
lending club 4
Length of time account have been established 2
LexingtonLaw 1
Lexis Nexis 1
LexisNexis 7
lien removal 3
liens 1
LightStream 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 7
lines of credit 4
LN 1
loan 8
loan and credits 4
loan applications 1
Loan approval 10
Loan company sold 1
loan payoff 2
Loanbuilder 1
Loancare 1
Loans 28
LOC 2
lock credit 1
low income 1
Low Scores 3
lower 1
Macy's Amex 1
Macy's Website 1
mailers 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
maxed out 1
maximum 1
medical 6
medical bill 1
medical bills 4
Medical Collection 4
Medical debt 4
Medical debt collection 4
medical debts 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 3
midcycle 1
Midland 1
Military Star Card Collections 1
Missed Payment. 1
mistake 1
mix 1
money management 1
money managing 1
monitoring 3
Mortage loan 3
mortgage 21
mortgage credit 6
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage scores 1
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My Story 1
myfico 11
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Navy Federal Membership 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 167
Negative Remarks 3
negative reporting 2
nelnet 1
never late 1
new 2
New Account 2
new accounts 1
New approvals 1
New car loan while old shows balance 1
New CLI 1
new credit 3
New credit & loan 263
New credit & loans 3
New credit card 4
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 3
newbie 3
Newegg 1
next steps 1
NFCU 12
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
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NMAC 1
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no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 128
Non-FICO Scores 1
Nordstrom Visa 1
Not more than 2 payments past due 1
not reporting 2
not updating 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old 1
old accounts 2
old debt 4
Old late payments 2
Online banking 3
only soft inquiry 1
Onsale 1
open 1
open credit 1
opt in 1
opt out 1
Opt-out 3
OptOut 1
Other 865
outstanding debt 1
p2p loans 2
paid 1
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 3
past due bills 1
pay for delete 1
pay ment systems 1
pay off 1
pay off options 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 3
payment history 6
payment method 1
payments 3
payoff 2
Paypal 5
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
pays as agreed 1
peer to peer lender 1
Pen Fed 4
Pen Fed approval 1
Pending 1
penfed 8
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 2
personal 1
personal finance 3
Personal finance apps 13
personal lines of credit 2
Personal loan 32
personal loans 9
pfd 2
phillips & cohen 1
phillips and cohen 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 3
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 6
Pre-Approval 1
pre-qualified 4
Premier Financial Credit Union 1
PRG 1
primary account holder 1
Primary card holder deceased 1
Privacy 1
private loans 1
problems 1
profiles 1
Propel. 1
prosper 3
Prosper Loan 1
public records 4
Question 20
questions 1
QuickSilver 2
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 21
Rebuilding and application advice 1
Rebuilding credit 16
Rebuilding Credit after Bankruptcy 3
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
relationships 1
Remarks 2
remodel 1
Removal 4
Removal dates 1
removal from credit report 6
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove State Liens 1
removed 1
removed collection 2
removing credit accounts 1
rent 6
rental 3
rental payments 1
renting 2
repair 2
Repay 2
Report 1
report discrepancy 6
Report freeze 2
reporting 27
reporting dates 4
Reports 8
repossed vehicle 1
repossession 4
resident 1
restaurants 1
Retail cards 221
Revenue group 1
revolving credit utilization 2
revolving line of credit 2
reward cards 1
Rewards 7
Rewards cards 259
REWARDS CREDIT CARDS 1
roommate 1
rooms to go 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Sallie Mae 1
Santander auto 1
Saving 3
savings 2
savings account 2
Scam 6
scams 3
sccu 1
scheduled payment 1
score 16
Score and bankruptcy 1
score boost 1
score damage 3
score drop 7
score impact 4
Score improvement 501
Score Improvement. 8
score increase 3
Score ingredients 75
score late 1
Score updates 3
scores 8
Scores increase 3
scores updating 1
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 2
SECURED CREDIT CARD 8
secured loan 5
security 1
Security Breach 1
security freeze 2
security-lapse 1
see 1
self 1
Self Lender 1
selflender 1
sesame 1
sesame cash 1
set to be deleted 1
settlement 3
Share lender credit builder credit loans 1
Shellpoint 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 5
Sleepys 1
slow to report 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 3
soft inquiries 6
Soft pull 9
soft pulls 4
SOL 1
SP 2
Spark 1
split file 2
split files 2
spousal fraud 1
spreadsheet 1
SSI 1
SSL 5
SSN 6
SSN Trace report 1
Star Card 2
State Tax Lien 1
statement 5
Statement close date 2
Statements 1
statue of limitations 3
statute of limitations 2
Stock Market 1
store card 2
store cards 3
Store Credit Cards 3
Story 1
student 4
student loan 8
Student loan age of credit history 3
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Student Loan Simulator 1
student loans 12
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success 1
sue 2
sued 1
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 1
Synchrony 6
synchrony bank 1
synthetic identity fraud 1
T mobile 2
target 1
Target Card 3
tax 2
tax lien 2
tax refund 1
TCPA 1
Tech Issue 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
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Thin 1
Thin File 1
third party debt collectors 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
transunion 26
transunion dispute 6
Transunion TU score jumping 1
Transworld Systems 2
tranunion dispute 1
Travel cards 82
Travel rewards 2
TSI 1
tu 7
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 2
Ultimate 3B 1
Ultra FICO 1
unusual behavior 2
update 2
updates 5
upgrade 1
upside down 2
upstart 1
us bank 2
US Bank Premier Line of Credit 1
usage 2
utility 1
utilization 22
utilization decrease 1
Uverse 1
VA 1
va loan 4
vantage 3
Vantage Score 9
VantageScore 4
Variance between OC & collections dates 1
vehicle repossession 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
Wells Fargo 3
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
Worried on getting denied 1
worth card to apply 1
Wrong address 1
Wrong addresses 1
You Can Get to 850 1
young 1
zero 1
zero balance 1
zombie debt 1

Topics with Label: Co-sign

finance a car or open a new credit card - what to ...

Approved with a cosigner only. What should I look ...

Co-signing and DTI Calculation