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Contributor
ezef3ar
Posts: 105
Registered: ‎09-15-2012

AUTO LOAN CAPITAL ONE

Hey guys I wanna get a brand new car between 15 to 20 thousand$. So here's it is my credit is good. But short it's what others consider a thin **bleep**
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: AUTO LOAN CAPITAL ONE

Hi OP, there was a glitch last night and part of your post was bleeped out. It wasn't anything you did.

 

I take it you were asking about a thin file? I'd try your local small bank or CU. They tend to look beyond the score and are more favorable towards a limited CR.

Contributor
ezef3ar
Posts: 105
Registered: ‎09-15-2012

Re: AUTO LOAN CAPITAL ONE

Yea it is a thin file. Only 6 months history 5 store cards 2 credit cards master cards the highest limit is 2000 lowest 400 scores 690 equifax 703 transunion and I don't know experian
Established Contributor
guydiver
Posts: 534
Registered: ‎08-30-2007

Re: AUTO LOAN CAPITAL ONE

Job history?  Income?

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Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
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Contributor
ezef3ar
Posts: 105
Registered: ‎09-15-2012

Re: AUTO LOAN CAPITAL ONE

Job currently 2 years. And. Around 35500 a year :smileyhappy:
Established Contributor
guydiver
Posts: 534
Registered: ‎08-30-2007

Re: AUTO LOAN CAPITAL ONE


ezef3ar wrote:
Job currently 2 years. And. Around 35500 a year :smileyhappy:

Well, doesn't look too bad.  Unless you have something on your reports that scares them away I'd say you have a very decent chance of getting financing.  Your thin file is definitely a negative, but a good down payment can go a long way to helping there.  Cap1 blank check maybe?   If you get that, take it to the dealer and see if they can beat it. 

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 11.5K, Travelocity AMEX 18K :
Take the FICO Fitness Challenge




Established Member
eduardofabian1
Posts: 12
Registered: ‎02-28-2010

Re: AUTO LOAN CAPITAL ONE

I've had a couple of Capital One loans in the past, they usually work with you, as long as you don't have too many red flags in your credit report. If your thin file still gets you a loan, but not at the rate you expect, wait like a year and refi. Maybe you will get a lower interest by then.

Mega Contributor
Creditaddict
Posts: 16,881
Registered: ‎10-23-2007

Re: AUTO LOAN CAPITAL ONE

Did you apply for Cap1? or anyone yet?

What car are you looking to buy?

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200

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