Hi All: I'm at a lost as to what my next step should be. I applied for a car loan at Patelco and USAA. Patelco approved me with some stipulations and USAA flat out denied me. USAA denied me because of a Involuntary Repo with Ford Motor Company (Amount owed $3,599) and a charge off with the University of Phoenix ($2,158). Patelco approved me if I pay off University of Phoenix and Credit Mgt Inc ($53). I have been disputing and writing letters to these companies since last year. The guy from USAA said that since these items are large amounts, I probably won't get many approvals until they fall off or I pay them. Ford has a date of last activity as 5/99. Univ of Phoenix has a date opened on 5/1998, but a date of status as 2/2003 (I'm not sure when it will fall off). Credit Mgt has a reported since date of 12/2001. These items are on my EQ and EX reports. I'm so frustrated and at a lost as to what my next step should be. Please help! Tamara
