help my brother :(
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|Loan Status:||Paid||Origination Date:||2006-07-25||EricsCC ROI:||13%|
|Jul 21, 2006||Current|
|Nov 22, 2006||Payoff in progress|
|Nov 28, 2006||Paid|
|Dec 04, 2006||Current|
|Dec 05, 2006||Paid|
I am trying to get Loan, because my little brother has a trouble.
He involved some D.U.I case and I must to pay his attorney fee.
My credit score is grade ?C?, but my actually grade must be ?A? or at least ?B?.
I have 31 inquires in Experian credit record in last 2 years.
For 1 year, I have 25.
(I had bad hobby what making many credit cards for fun)
(bad hobby from credit forum L)
without inquires, my score will be 720-730. (I will post my fico score on 7.10. 06)
My annual income is 75000-100000
I will start work at BMW dealers.
I used to work at Chevy dealer, and my monthly income was about 4000-7000 per month.
I guess BMW dealers will be better.
My mother live with me together. She has a Japanese restaurant in Torrance, CA.
She pays me $2000 per every month for house rent and car lease.
My expanse per month
House rent : 1600 per month
Toyota highlander lease : 299 per month
2 car insurance : 250 per month
Electric, Gas, Cell Phone, Phone, Cable, DSL : 500 per month
Around 2600-2700 per month
I never paid late my payments.
I have two Delinquencies in last 7years, but one is a already gone from my credit record.
And one is almost fixed. I had two Delinquencies in last 7y,
because credit company?s mistake and mixed with my mother?s credit record.
And it had fixed.
I have credit cards,
BoFA 6000 Limit MBNA 2500 Limit Chase Reward 9100 Chase Merriot 500
Capital one 1700 Juniper 1750 Household 400 WAMU 1500 Dell 1500
ChevronTexaco 2000 Fingerhut 300
Total Credit line about 28000,
and debt is a 11000-12000.
I used to have 3 AMEX cards, and I had a plan to loan from AMEX,
but they Financial Reviewed me and accounts closed.
Beware AMEX. They are sucks.
They F/Red me just after I paid off all their balance. and I never late their payments.
Ok this is about me so far.
I am a normal guy who wants to help my little brother.
He always made problems, but brother is a brother
Sorry for my poor English skill, because I am a Korean American