Bill Autopay (automatic bill payment) declined – how does this affect credit score?
Hi all. I pay most of my recurring bills using Autopay, linked directly to my BOA checking account via my debit card. Recently I had a low balance and when my auto insurance company tried to draw on the account, it was declined
Categories: General Credit Tags: account, Advice, affect, Auto, Auto Insurance, balance, best-practice, Credit, credit-card, credit-score, debit, Future, recurring, recurring-bills
County treasurer forced payment on past tax that wasn’t mine.
My mother owned a tanning salon from 1999-2002. Last month she went to get her auto tag renewed at the Court House. She was told that she would have to pay back property taxes on the tanning equipment from 1996,97,98,99, and 2000, before she would be allowed to get her car tag.
Categories: Mortgage Tags: Auto, business, Court, property-taxes, show-the-years, tanning, tanning-salon, tax
Refinancing Auto And Home – FICO
Hi, I am trying to refinance my home and my auto to reduce my monthly payments. My score is 703, and is this low due to 1 card that I am at the max (28900/29200) Questions: 1) If I refinance my auto first, how many points will my FICO drop, I assuming it will drop because A) I am opening a new installment (though I am closing one) B) The current installment has a 34000 line (the orginal loan amount) and now is at 17791. I am thinking they will see it now I am at 17791/17791 at the max Is this how that works?
Categories: General Credit Tags: Auto, closing-one, Credit, credit-report, fico, monthly, new-installment, orginal, the-different, the-orginal
Truth in Lending Violation
My Credit Union made many errors on the TIL total amount was incorrect by a significant amount for my auto loan. they also claimed to have security on my vehicle from the credit card and line of credit agreement i previously had with them. I want to sue them for violating the TIL act and for claiming to secure my vehicle.
Categories: Mortgage Tags: Auto, Credit, credit-union, from-the-credit, ncua, the-credit, union-admitted, vehicle
Reporting to Experian, Equifax, Transunion
Hello, I'll bet my questions have been asked before. Sorry for cluttering this board if I am/and or delete/move this post to it's proper place if I'm in error, and or direct me where I need to go with all this. Since November 2009 I've been monitoring my credit and the scores on all three bureaus
Categories: General Credit Tags: aforementioned, Auto, Bank, Credit, credit-card, equifax-credit, monitoring, potential, scores, secured, since-november, technically, TIME, trans-union
Car loan to improve credit good idea?
I have a car lease that is coming due and I have decided I want to go ahead and buy the car.
Categories: General Credit Tags: Auto, balances, bankruptcy, credit-as-fast, improved, improved-credit, Lender, Money, purchase, the-bankruptcy, think-the-auto, worth-the-high
Transunion deleted my perfectly paid account..I need your help
i'm so angry I don't know where to begin.
Categories: General Credit Tags: account, account-dropped, Auto, auto-account, Finance, more-confused, process, should-dispute, start-reporting, sure-it-gets, the-finance, updated-not, updated-since
Will it make a difference? (Financing a car)
The last time I had financed a car was 9 years ago and it is not showing on my Equifax, but only on TU and Experian reports. In between now and then, I had purchased cars 100% cash, used. I'm considering buying a home in a couple of years, and it is reinforcing my desire to have a newish car financed, so I can have a healthy mix of credit types on record as paid in full / current when that time comes.
Categories: General Credit Tags: always-on-time, Auto, average-score, cards, equifax, Financial, financing, once-the-auto, recent-payments, score, TIME, types-on-record, will-it-make, will-the-ending
Differences in Credit Report on MyFico Vs. Equifax….
So today I ordered an Equifax report from MyFico and saw some things on my report I could have sworn were taken off. So I ordered a report from Equifax so I could dispute the items and when I ordered the report, the item was not listed. As was not a few other things with Discreprencies.......whats going on here? Which report can I trust if lenders for either Auto/Home/Credit Cards are pulling? Thanks in advance..
Categories: General Credit Tags: Auto, cards, credit-cards, items, report, some-things, sworn-were, the-items, things
Old auto loan on EQ but not on TU
I have an old auto loan on my EQ report but it is not showing up on my TU report. The loan was opened in 1999 and paid on time and in full in about 2 and a half years. The problem is, I don't have any auto loans on my TU report and the lender I'm going to be using TU purchase a new car with uses TU
Categories: General Credit Tags: Auto, auto-loan, auto-loans, Lender, not-showing, older-account, oldest, oldest-account, paid-on-time, the-lender, the-trade, trade