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Found 5 results

  1. So I was trying to find some info on this, so any advice will help.. I had a loan through Nissan and missed a few payments so they closed my account. After talking with them they agreed they won't send it to collections or repo it as long as I make my payments on time, which I have been. They told me they won't open my account back up though. I have a credit score of 592, and still working on improving it.. Is there any way I could possibly refinance the loan or if I could trade it in and have the balance rolled into another loan? The amount left is 14,942$..... Or am I screwed because the acc
  2. Greetings, I need help! I have an auto loan that is in the process of being charged off. The bank (wellsfargo) has been attempting to repossess the vehicle for some time, however I've managed to keep it in my possession. I owe roughly 16k on the vehicle but got WF to agree to a 10k settlement offer. I don't have 10k or the means to gain that money in a lump sum. My credit score is terrible (480) but my personal habits and financial habits have drastically improved since I put myself in this situation. I am attempting to get a 10k loan to pay off the settlement (and get my credit/my consi
  3. Hi, I had a short sale on a previous house that was completed in Dec 2013. I purchased another house before doing the short sale. House had 1st Mortgage with Bank of America, they 30 days delinquency was reported in Nov 12 and closed in May 13 with "Account transferred to another office" 2nd Mortgage with Wells Fargo, they reported 30 days delinquency on Feb 13 and closed the account on Jan 14 with statement "Legally paid in full for less than the full balance with comment of "election of remedy - reported by subscriber" BoA sold their loan during the process to NationSt
  4. Filed Chapter 13 Sep 2011, Bankruptcy Plan Number 8 DIRECT PAYMENTS lists 3 items, Jeep payment $265.36 WF Home mortgage (1stMortgage) $1,553.24 Wells Fargo Bank (2nd Mortgage) $275.00 These are the payments setup and ordered by the court for us to make directly to these companies. Got your attention? The first 2 went along just fine, Jeep paid off, 1st Mortgage ongoing @ 9% interest, 2nd mortgage paid $275.00 as ordered. We paid for 15 straight months, last payment was Dec 2012, so in Jan 2013 WF Charged the account off. No notification just Charged it off. Total payments
  5. All, thank you for your help in advance and if I've breached any etiquette of the forum, please let me know. Here are the current details on my car loan: Loan Balance: $10,927 Remaining Term: 54 months Current APR: 10.73% Monthly Payment: $255 From what little I understand about financing, this seems bad. I'd like to really clean up my credit so I signed up for Credit Karma to see an estimate of my credit score. According to Transunion, it's 606; according to VantageScore (with which I am unfamiliar), it's 654. I looked under the Recommendations tab in Credit Karma and they are adverti