CraveMazda 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.
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.
That's awesome! Hope I can find something like that to take the hit off the new MSRP, they are too rich for my blood, and wallet.
Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .
BUREAU PULLED: Equifax
CREDIT SCORE: 728
CUSTOMER STATE OF RESIDENCE:
NEW/USED: New
YEAR OF VEHICLE: 2012
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22,200
TERM CONTRACTED: 60
APR/LEASE RATE: 1.73% ( High five* )
MONTHLY PAYMENT: $375
MISCELLANEOUS COMMENTARY: Got an out the door price $2750 below MSRP. Didn't even let the dealer try to match my APR since I probably wouldn't have even got approved AT ALL through them with my "was just able to calculate a fico score last week" thin credit file.
APPROVING BANK: Toyota Financial Services
BUREAU PULLED: Experian
CREDIT SCORE: 765
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: New
YEAR OF VEHICLE: 2013
MILEAGE: 3
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $32,500
TERM CONTRACTED: 60 months
APR/LEASE RATE: 0.9
MONTHLY PAYMENT: $554
MISCELLANEOUS COMMENTARY: Spent the last two months researching minivan's and was initially looking to purchase a end year 2012 model, however availability of the colors I was looking for was non existant. Researched and called around dealers to get my best price of $35K OTD (including tax + tag) and put down $2500, leaving $32.5K to finance. Luckily for me I already had a preapproval from Penfed at 1.49% however, even better Toyota changed their incentives for November to 0.9 for 60 months! Took it, I LOVE cheap money
BUREAU PULLED: EQUIFAX
CREDIT SCORE: 647
CUSTOMER STATE OF RESIDENCE:AL
NEW/USED:NEW
YEAR OF VEHICLE:2013
HELBY GT 500MILEAGE:10
RETAIL/LEASE:RETAIL
AMOUNT OF LOAN:$48000
TERM CONTRACTED:72
APR/LEASE RATE:6.9
MONTHLY PAYMENT:940
MISCELLANEOUS COMMENTARY: Vehicle price out of the door is $62525 which is about $5000 less than MSRP. I decided to put $14000 down to cover the gap in cost. I'm looking to pay this loan off in 6 months so that I minimize the amount of interest that I get charged. Additionally, I'm going to apply with Navy Fed and Pen Fed to see if I can get a better interest rate.
Shan922 wrote:APPROVING BANK: Capital OneBUREAU PULLED: Unsure
CREDIT SCORE: 631 TU 623 EQ
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: Used
YEAR OF VEHICLE: not sure yetMODEL: not sure yet
MILEAGE: not sure yet
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $21,600
TERM CONTRACTED:72 months
APR/LEASE RATE: 10.82%
MONTHLY PAYMENT: $409ANNUAL INCOME:$50,000MISCELLANEOUS COMMENTARY:I will refinance when I get higher scores, but for now I will take it since my own credit union denied me.
Shan, what bureau did Cap1 pull? All 3 like for their CC?
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