Posts Tagged 7 Months
buying a new or used vehicle with bad credit?
Ok I want to buy a vehicle but I have poor credit currently I am working to build my score, What Im wanting to know is
what is the Standard interest rate for someone with poor credit?
Should I go to several dealers or just stick with one ?
Do they all follow the basic guidelines for wheeling and dealing?
I have been back to work for the past 7 months, My income is fairly good
I am paying on my bills but I guess it will take time for it to come off my credit report so Im worried when i go apply for a vehicle new or used they will see my past and offer the highest possible Interest rate. What can I expect?
Should I try the bank 1st or maybe get a personal loan
I dont want to be stuck paying for a vehicle that is going to cost me more than it is actually worth but I suppose if this is my only choice due to my neglecting my credit in the past I will have to bite the bullet,but Im hoping someone out there has had the same exp and willing to share advice
thank you
Miguel
Line of credit / Collection?
First of all, I made a grave mistake transferring my 2nd mortgage (9.5%, 20yrs) to a personal line of credit (10.99%, 8 yrs) thinking that an unsecured loan is better than a secured loan. I did not realize that the interests are calculated sooo differently that now, 7 months later, I feel like the loan amount has only gone down a little…it could have been close to being paid off if I had kept my 2nd mortgage.
Second, I did not receive any notification that one of my medical claims from Feb 2007 had not been approved by my insurance. I was told by the hospital that they were working with the insurance company to get this resolved. Last month when I checked my credit report, I noticed there was a collection and that my FICO score had dropped from 760 to 650! Can they do that without notifying me? I paid the collection in full right away. Would they remove the entry from my credit reports? What else can I do to recover my previously good FICO score?
Because of these two problems, I now have a 33% debt to credit ratio and am not in good credit standing to refinance my mortgage at the current low rate.
This is more of a general complaint (and I have a such a big headache). But any comments are welcomed.
Thanks for the info. I’m not having problems paying my bills or anything. I had very good credit (until that collection showed up on my credit report) and have never missed a payment.
The 2nd mortgage had about 13K on it when I paid it off and opened a personal line of credit. My main mortgage is about 77% loan-to-value. I know I can refinance, but it’s unfortunately I won’t be able to get a good rate for it. It now just looks like I have a lot of credit card debts whereas before, I was debt free except for my mortgages… 
Roger
Question about TransUnion free credit report?
Question about TransUnion free credit report?
Hi everyone, I try to get a free credit report on annualcreditreport.com —-> TransUnion website. But I don’t know why it said:
Privacy Protection
The Identity Security System isn’t able to confirm your identity.
Explanation:
The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process.
What to do:
Please return to annualcreditreport.com and order your Personal Credit Report by phone or mail.
I am sure all the information I enter is correct and I tried 6 times already, but I got the same message. I don’t want ot order by mail and phone, because I need to wait 2 -3 weeks. Can someone help me please?
I got a report from Experian 7 months. And I got one from Equifax few days ago, so TransUnion is the only one I can have. (I want to get one from TransUnion, because I want to compare it to the one from Equifax .
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Question about TransUnion free credit report?
Question about TransUnion free credit report?
Hi everyone, I try to get a free credit report on annualcreditreport.com —-> TransUnion website. But I don’t know why it said:
Privacy Protection
The Identity Security System isn’t able to confirm your identity.
Explanation:
The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process.
What to do:
Please return to annualcreditreport.com and order your Personal Credit Report by phone or mail.
I am sure all the information I enter is correct and I tried 6 times already, but I got the same message. I don’t want ot order by mail and phone, because I need to wait 2 -3 weeks. Can someone help me please?
I got a report from Experian 7 months. And I got one from Equifax few days ago, so TransUnion is the only one I can have. (I want to get one from TransUnion, because I want to compare it to the one from Equifax .
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