Dealership have permissible purpose for credit pull?

MissSilence — Sun, 25 Mar 2012 12:17:20 GMT

In March 2011 I went to a Texas car dealership filled out a credit app and purchased a used car which was financed thru a big well known bank.

In February 2012 one afternoon I got a phone call from the salesman that sold me that car saying I just wanted to call you about your recent credit app to buy a car. I asked who he was and why he was calling me because I had not filled out any apps. He told me his name and where he worked I then recognized him as he has a very distinctive name. He then starts in with ohhhh I see you made this app last year I just ran across it...My bad. Well hows that car working out for you, you know we have some really nice cars on the lot right now you should come take a look. I told him I wasn't interested in buying another car I was happy with the one I had gotten. He then says well don't you have an older car too? Yes I do its 5 yrs old with less than 40k miles on it I have no desire to replace it. He still continued to push for me to come see his cars. I then told him I was not was not wanting to purchase a car, I am not going to come look at any cars do not be pulling my credit. I then hung up on him.

Yesterday I pulled all my reports like I do every spring and guess what there is a hard inquiry from this dealership dated 2/21/12 for a car loan.

Did this dealership have a valid reason to pull my credit this February?

Personally I don't buy his excuse that oh I just ran across your app (that is basically a year old) I seriously doubt he has paperwork that old laying around on his desk. I think he was just trying to sell another car.

USDA Direct Loan possibility

MissSilence — Thu, 07 Jan 2010 18:30:53 GMT

I am not sure if there is even a possibility of my family qualifying for a Direct USDA home loan of an amount sufficient to purchase a decent safe home.

My situation, I am a single disabled mother of 4 we rent an apartment at $575 a month with renters insurance adding another $24. This is not a safe place.

I have a car loan in the amount of $344.24 a month and credit card payments in the amount of $60 a month. (I plan on paying off another 3 cards before I

apply)

I have income of $674 from SSI and $1,490 in child support monthly.

My credit scores are 687 and 710. No negatives or lates on my reports.

The houses I have found in my area that would take care of the family needs range in price of 75k to 91k. Does anyone know if there is even a possiblity of getting a loan limit in that range being that for our family size we have a pretty low income. Any insight would greatly be appreciated Thanks!

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Dealership have permissible purpose for credit pull?

USDA Direct Loan possibility