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@H-Town_Tider wrote:
@guydiver wrote:
@CraveMazda wrote:
MyFico has really really helped me with my road to credit recovery. Today I bought a Lexus Certified Pre-owned at the best rate possible during their October sales event.
APPROVING BANK: Lexus Financial
BUREAU PULLED: EQ
CREDIT SCORE: 726
NEW/USED: CPO
YEAR OF VEHICLE: 2010
APR/LEASE RATE: 1.99
Term: 60 monthsCongrats. That's awesome. What did you get? Got my eye on a CPO RX 350. If they pull EQ my auto score will be close to 800.
My wife's last two cars have been an RX330 and an RX400h, respectively. Bought both of them used, and they both were/are awesome cars. They really hold their value.
That's the one I really wanted, but they're older and no CPO's around anymore. If I could find a very low miles 1-owner I'd buy it regardless. Never seen the 400 though. They are all really nice cars. You did good.
I just re-financed both of my cars so I thought I'd share! I did both for 60 months but plan on paying more each month to shorten the overall term.
My wife's vehicle:
MISCELLANEOUS COMMENTARY: Love this car, Power heated Leather seats, dual climate control, 12 speaker premium sound system! Original invoice was $29K, got them down to $27K and got a better interest rate via outgoing model year incentives. Considering my credit I'd say I did pretty good.
@guydiver wrote:
@CraveMazda wrote:
MyFico has really really helped me with my road to credit recovery. Today I bought a Lexus Certified Pre-owned at the best rate possible during their October sales event.
APPROVING BANK: Lexus Financial
BUREAU PULLED: EQ
CREDIT SCORE: 726
NEW/USED: CPO
YEAR OF VEHICLE: 2010
APR/LEASE RATE: 1.99
Term: 60 monthsCongrats. That's awesome. What did you get? Got my eye on a CPO RX 350. If they pull EQ my auto score will be close to 800.
Thanks Guydiver - I got the HS250h. I wanted a hybrid and wanted a smaller car than my 09 Mazda 6, the IS was too small, the ES was too big. The ES Hybrid is too new so didn't want to spend over $50K for that car. I lucked out and found my gem of a car. I LOVE it. It only had 12,100 miles on it so it is practically a new car. It has all the bells and whistles that one could have gotten on the car minus the ML sound system.
@Anonymous wrote:APPROVING BANK: TD Bank
BUREAU PULLED: Equifax
CREDIT SCORE: 593
CUSTOMER STATE OF RESIDENCE: GA - Vehicle purchased in Tennessee
NEW/USED: New
YEAR OF VEHICLE: 2012MAKE: FordMODEL: F150 - XLT
MILEAGE: 3
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 28,600
TERM CONTRACTED: 75 months
APR/LEASE RATE: 5.34% (!)
MONTHLY PAYMENT: 450.18ANNUAL INCOME: 68,000
MISCELLANEOUS COMMENTARY: Shocked I got approved at such a low interest rate. Hell, shocked I got approved at all, with just my trade in, as I now have 2 vehicle loans, and a mortgage. I was hesitant to apply, as I closed on my house in May, and my credit score took a hit when I bit the bullet to go out and apply for about 5-6 credit cards and financed some furniture, but all in all, can't beat that interest rate. I read an article where TD Bank CEO was saying in September that the future of his company depended on the subprime market. Good news for those of us trying to rebuild credit history that have the means to do so.
How did this happen? After I read this I decided to stop by my local TD Bank (I have checking, savings, and an unsecured loan 3 years old with them) and talked with one of their account service reps. Both the reps in the branch at the time told me they require around a 680, and they had even heard it was trending towards 700 recently. They didn't do the under writing in house, they basically submitted the app and that was it. Kind of disheartening. Did you do anything differently? TD has been an awesome bank so far, so i was excited for the chance to possibly furter the relationship. I was considering even making them my primary checking account (Currently my checking account only serves as a direct deposit, auto bill pay account)
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
Congrats
APPROVING BANK: Chase Bank
BUREAU PULLED: Not yet known
CREDIT SCORE: Not yet known
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Undecided
YEAR OF VEHICLE: Undecided
APPROVING BANK: Toyota Financial Services
BUREAU PULLED: Transunion
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCE: DE
NEW/USED: New
YEAR OF VEHICLE: 2013