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Established Contributor
bahbahd
Posts: 731
Registered: ‎08-12-2011
0

Re: Advice please!!!!

I'd keep driving that 09 for a year or so till I paid off my CC balances.

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

Re: Advice please!!!!

That's probably your best bet as doing it now will probably just waste an inquiry.
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!!!!

Yes. That would be the best thing to do. I'm just one of those impatient people. I might try anyway. If I can that's great but if not I will just pay for a year. Thanks again

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


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

Re: Advice please!!!!

You're welcome. If you aren't buying a house or looking at a new credit card in the near future, I think trying is okay if you want to do that. Best of luck to you. :-)
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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Frequent Contributor
dabrian
Posts: 360
Registered: ‎12-10-2012
0

Re: Advice please!!!!

Drive the wheels off of that 09 imo.
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Regular Contributor
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

Re: Advice please!!!!

Haha. I know. That would be the smart thing to do! Thanks!!

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

Re: Advice please!!!!

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!!

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


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

Re: Advice please!!!!

Congrats! How much did they approve you for? :-) Must be at least the 30K you were asking for?
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!!! The total with TT&L was 33000. Im even adding a spoiler! Only down fall is the exact car I wanted they didn't have and didn't have at another dealer in their district. So car is starting to be built tomorrow and I should get in 2 weeks!!! Super excited!!!

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


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