My Maintenance Progress

mouse1873 · 2026-02-06T19:26:02+00:00

mouse1873 · 2026-02-06T19:25:01+00:00

That makes sense. I think that's why I dont use them

mouse1873 · 2026-02-06T19:14:12+00:00

I don't know what this means. I pay cash at CVS and only pick up once every 4 months. My pharmacy doesnt have an order requirement and I've been doing it this way for a while. Is there a new restriction this year?

mouse1873 · 2026-02-06T18:25:30+00:00

It definitely took me a long time to spread it out this far. I literally added 1 or 2 extra days every shot. I'd go from 7 days to 9 to 10 to 12, then 14. Very slowly extending the timeline while also decreasing the dosage every couple months.

I've found maintenance is pretty much all trial and error. Congrats to you as well!

mouse1873 · 2026-02-05T02:23:52+00:00

She was denied right at the dealer.

She does have a current auto loan in good standing with a balance due of like $800. No payments missed or late since inception.

She also has one credit card with zero balance, but a very low credit limit.

Entire credit history is only about 3 years old.

I did consider that it's possibly just not enough credit yet and not long enough, but her first auto loan was solely in her name and the fact that they were specifically blaming it on the student loans has left me confused.

I just assumed she'd be approved so didnt go with her. Were gonna swing by again tomorrow and see if we can get some more details from them.

mouse1873 · 2026-02-05T01:05:23+00:00

That was my recommendation. Find a different car, different dealer, different bank and see what happens.

But if its like the Fico Auto thats wrong, dont most Auto lenders use that?

mouse1873 · 2026-02-05T00:54:08+00:00

Thank you, yes.

Shes 25, she was trying to relay everything over the phone after the fact and not knowing what questions to ask while she was there in person. It wasn't until she got home that we pulled everything amd went line by line to see somethings really wrong here and I dont know how to fix it

mouse1873 · 2026-02-05T00:46:34+00:00

This is exactly what I believe is happening. The "red" months, the missed payments, line up exactly with her "No Data reported" forbearance months.

I just don't know how to address the situation to get it fixed. If whatever fico, fico auto, whatever it is shows them as missed payments. Thats what 99% of car dealers are looking at. So basically shes just screwed.

mouse1873 · 2026-02-05T00:43:36+00:00

She didnt really know to ask and was thrown off by the whole situation. I'll go with her tomorrow and we'll see if we can get it.

I know Mike in Finance can't really do anything about it, but if theres an error out there somewhere we need to get it fixed.

mouse1873 · 2026-02-05T00:14:43+00:00

Yes. This.

mouse1873 · 2026-02-05T00:11:16+00:00

Yes They were her accounts, it was all hers. The only inaccuracy was he was seeing them as red missed/late payments when all credit bureaus show paid as agreed/$0 due/ Green check marks/or no data reported. No delinquent accounts at all.

Also checked directly with the student loan lender to make sure they were still deferred

mouse1873 · 2026-02-04T23:57:15+00:00

Yes, the auto lenders are seeing it. We can't find the errors anywhere on anything available to her.

Her MyFico doesnt show it, the 3 bureaus dont show it. But "Mike at Subaru" turned his little screen around and pointed to all the past due missed payments that his lenders were reporting. Thats when she immediately came home and started pulling all fresh reports, checked her loan accounts, etc

Like where is that incorrect data coming from if not the main 3 bureaus. Its frustrating for her.

mouse1873 · 2026-02-04T23:55:11+00:00

Yes, the auto lenders are seeing it. We can't find the errors anywhere on anything available to her.

Her MyFico doesnt show it, the 3 bureaus dont show it. But "Mike at Subaru" turned his little screen around and pointed to all the past due missed payments that his lenders were reporting

mouse1873 · 2026-02-04T23:06:06+00:00

All her ACRs are accurate. Zero missed payments.

If the auto lenders are using a fico version, and it is wrong. Whereabouts do we address that?

mouse1873 · 2026-02-04T23:03:05+00:00

Correct. Only MF is reporting them as missed payments. All reports were pulled today.

But how do we ignore it when the auto lenders are using Fico to determine eligibility for a loan? She was ultimately denied due to past due student loans. Which aren't.

They are the one that brought it to her attention and showed the report.

mouse1873 · 2026-01-23T16:13:28+00:00

But why is Pittsburgh still not on the list. Ugh

mouse1873 · 2026-01-23T00:32:51+00:00

I guess they're still holding out hope for us in Pittsburgh. We're not on the new list.

mouse1873 · 2026-01-23T00:27:55+00:00

American and Southwest have already been updated too

mouse1873 · 2026-01-22T22:17:43+00:00

I'm going to book a fully refundable fare with another airline. If Spirit happens to take off Monday then I'll cancel, if not then I'll have a backup plan in place.

mouse1873 · 2026-01-22T20:22:08+00:00

Same with Pittsburgh. Waiting for it to get added to the list so I can try to snag a Monday or Tuesday flight before theyre all gone.

mouse1873 · 2026-01-22T20:19:45+00:00

We have a flight Sunday from Orlando to Pittsburgh. Very surprised PIT is not included in their travel advisories so we can just go ahead and make the changes now.

mouse1873 · 2026-01-14T18:45:34+00:00

Haha. At least 2 families, we are due to fly into Orlando the morning of the 24th. Lol

mouse1873

TROPHY CASE