11-08-2012 09:59 AM
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.
11-09-2012 12:55 AM
11-10-2012 09:11 AM
Job currently 2 years. And. Around 35500 a year
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.
11-12-2012 03:48 AM
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.
11-12-2012 07:38 AM
Did you apply for Cap1? or anyone yet?
What car are you looking to buy?
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.