What is delinquent credit obligation means?
You need to look at all 3 of your credit reports & see what is there. You get all 3 for free, by law, once every 12 months. Do not buy the scores, they are meaningless to lenders. https://www.annualcreditreport.com/cra/i... If you see anything mentioned that is NOT yours, call all 3 credit reporting agencies & put a freeze on your reports. Then go to the police station & file an identity theft report. That is just the start, but you have to start somewhere. Check those reports, then come back if you have bad stuff that isn't yours.
Can I get an auto loan through Capital One with a 590 credit score?
Yes. They will charge around 17% interest though. And you will need to verify your income with past tax returns or pay stubs. I advise if you must get a car now get a loan with them. They will give you a check with a max limit you can spend. Then bring that check to the dealership and see if they can beat the rate cap. one give you. You could always refinance the loan at a later time with capital one, maybe after year of on time payments at a much lower rate. http://creditcardwarehouseonline.com you can find a cap one app at and also other subprime lenders at http://creditcardwarehouse.ecreditdirectory.com/
Can i refinance a car loan that's delinquent?
Highly unlikely. Generally a car is underwater even if it is not delinquent and when it is delinquent, it is even further underwater. Then the delinquency and your deteriorating credit history makes it even more unlikely that a lender will refinance the car.
How long can I be delinquent on a car loan before it is sent to my credit?
You are officially late at 30 days past due from the due date... anything before that, you are not late...but the creditor can do things like assessing late fees to the account. CreditKarma is only a credit score estimation site. Pull all 3 credit reports to see what's showing. Credit reports are free once a year at: http://www.annualcreditreport.com If you were only 3 weeks late, then you should not have been reported...if were you are going to need some really good documentation to challenge this, like a copy of the check showing that it was processed before 30 days, or documentation of an ACH auto debit from your bank showing payment before 30 days.
One car payment 32 days late, credit shows delinquent?
I admit it, made one car payment late, right at 32 days. Throughout my twenty plus year credit history I've never made a single late payment on anything! Not even once. They payment was late because my wife and I were on a 30 day cruise. No excuse, but it happened. Now my credit report shows a delinquent account. Not just "late" Will the bank remove this if I submit a letter of explanation? Do they show mercy? I had a credit score of 830, now down to 793 and I was denied a home equity loan due to the delinquency account!?! Can they at least change it from a delinquency to a Kate status? Any advise is appreciated!
Can I get a delinquent credit card account reopened?
I would suggest first she pays it fully off. Then.... when the balance is almost 0 again, she can ask for the account to be reopened. Sorry, if she has a high balance -using more 25% of her avalable credit line - they will likely not re-open it for her. Catch up on late payments first. Wait for the payment to clear with the credit card. And from now on - tell her not to carry balances. Use the card for things she needs like food and gas and pay in full each month. /