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11-09-2011 11:38 AM
Booner72 wrote:This thread is to be used for your Auto Loan Approvals just copy and paste!APPROVING BANK: Northwest Community Credit Union
BUREAU PULLED: EXPERIEN
CREDIT SCORE: 714 AUTO ENHANCED FICO
CUSTOMER STATE OF RESIDENCE: OREGON
YEAR OF VEHICLE: 2006MAKE: SubaruMODEL: Forester
AMOUNT OF LOAN: 13,500 - 15,297 with the warranty that I will probably cancel
TERM CONTRACTED: 60
APR/LEASE RATE: 5.39
MONTHLY PAYMENT: 279.00 (With warranty) 255 withoutANNUAL INCOME: 51,504
MISCELLANEOUS COMMENTARY:My EQ Auto Enhanced was only 658. He was able to convince the credit union to use my EX score to get the better rate. Was initially offered 8.9 and I wouldn't take that. He is adding some touch up paint and a detail/wash of the car. The salesman is driving to my work today to sign all the documents. I think this is because it's the 31st of the month and they need their numbers and I wanted to come tomorrow due to Halloween tonight.The warranty is through CNA and I just read online that most warranties from the dealers are pieces of crap bc they don't cover anything that they deam broken from "Wear and tear" vs. a true "mechanical breakdown. I have 30 days to cancel it after I do thorough research.He was impressed with my FICO knowledge and I can guarantee everyone that I got this deal only because of what I learned here. Thanks to EVERYONE!!
UPDATE FOR THE FICO CURIOUS (Which I think we all are): I got a rejection letter from a credit union yesterday. My EX score they used was only 687. THANK GOD FOR AUTO ENHANCED FICO! 27 points different - in my favor.
11-12-2011 08:00 PM
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