0 People Helped
Member Since: September 2013
My scores here on credit karma were in the 520 range when I got approved for my auto loan, with only one good account that is closed, no open accounts, and 5 collection accounts that are all 2-7 years old. I have an exorbitant interest rate (19%). Hpwever, just getting that loan raised my score 40 points. My fico scores, which I don't know, we're much different than the ck scores. My transunion was the lowest at around 500, equifax about 520. Whichever one they pulled, the fico was much closer to 600. Interestingly, my spouse's score went down after he got the loan.
WickedNat's response was:
Thank you. I send the validation letter to the collection agency, correct?
WickedNat's reply was:
Enter Your Replyoh yeah, and overstock.
The shopping cart trick works. I have gotten approved for Buckle, the Limited, and NY&Co with it. I got these over the weekend, and the only card that showed up on credit here on ck this week was Buckle, and it only showed up on equifax, not tu. No hard inquiries, either. I got low limits, but since I had nothing but an auto loan and a 7 year old closed credit card and collections, I don't care! My eq score went up 45 points from just the one card. I haven't had any luck getting it to work on any of the other stores listed.