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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Advice please!!!!

Congrats!!! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Regular Contributor
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

Re: Advice please!!!!

Thank you!!!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


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Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: Advice please!!!!


Prettylady1 wrote:
Wanted to update everyone!!! Went ahead and applied for the car I wanted and got approved through Honda Finance with no money down and 1.99% APR for 60 months!!!! I can't believe it!!! My equifax is 706 but my auto enhanced score was 722!!!! Yippee. Now getting my old car ready to try and sell. Thanks for all your advice!!

Great

 

Congrats


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Regular Contributor
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

Re: Advice please!!!!

Thank you!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


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Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

Re: Advice please!!!!

Congrats on being up to your ears in debt for the next 6-7 years when you had a perfectly good car.



Regular Contributor
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

Re: Advice please!!!!

Thank you so much!! It's actually the next 5 years!! I'm not up to my ears in debt but thanks for your concern. The joys if being an educated woman and being able to afford what you want and deserve!!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


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Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

Re: Advice please!!!!

I wish you luck on that new loan and hope you learned whatever lesson from your previous problems that caused you to have scores in the 630's when you started out on your credit journey. Sometimes people get out of debt and financial trouble just to get right back into it when things get better. I know it may not be what you want to hear, but sometimes just because we can get credit, doesn't mean it's the best thing for us. I truly hope you are able to keep that car for 5 years.

 

Anyway, I'll back off and just wish you luck and say congrats.




Regular Contributor
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

Re: Advice please!!!!

 

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Regular Contributor
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

Re: Advice please!!!!

Thank you! I'll probably keep the car for 3 years then I'll be ready for something else :smileywink:

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Regular Contributor
jnkp2001
Posts: 135
Registered: ‎01-04-2012
0

Re: Advice please!!!!

Unless you plan on throwing a lot of miles on it, you should think about leasing if you want a new car every three yrs.

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!


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