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Member Since: September 2010
I think it's 12 years but what they try to do is contact you after the time is up. If they can then I do believe it resets and they can still get you.
Probum's response was:
That should read 10 points not 10%.
The creditors must report mid month because it's the 5th and still no change. I'm going to look daily to confirm this at least I'll know for future reference.
Probum's reply was:
Well you know everybody's situation is different and I don't come here very often. Sometimes my score shot up without me doing anything and sometimes it dropped the same way. I had a chance at a good deal and tried to jump the gun I guess.
But your going to pay a lot! Best to buy a cheap runner on craigslist or wait and build up your credit.
According to CK my score is 643 but when I applied they said it was 635 and my rate was between 16% and 13%. 13% required a $3500 down payment.