Mega Contributor Posts: 13,853 Registered: ‎10-23-2007 Re: 610
score, previous repo fell off, and was DENIED, HELP!  Are all
these balances with the collection agencies current? like you
have not paid them and still owe them?  If you can pay cash but
want to rebuild I don't understand why you say I don't want to
tie all the money up until loan is paid off... you just said you
could pay cash if you had to!  second, if you are trying to
rebuild and you do this secure option, you could technically
wait a year or so and apply elsewhere or with them to refinance
and move away from the secured?