APPROVING BANK: America Honda BUREAU PULLED: Transunion CREDIT SCORE: Auto Enhanced Score 657 CUSTOMER STATE OF RESIDENCE: TN NEW/USED: New YEAR OF VEHICLE: 08
MODEL: Accord EXL V6 MILEAGE: 106 RETAIL/LEASE: AMOUNT OF LOAN: 26300 TERM CONTRACTED: 72 APR/LEASE RATE: 8.39 MONTHLY PAYMENT: 467 MISCELLANEOUS COMMENTARY: filled out app for blank check with Cap One Auto was approved for 37,500 ..APR 9.19%..turned it down for a better rate...will refinance for even lower rate with penfed later
APPROVING BANK:BMW Financial BUREAU PULLED:EQ & TU CREDIT SCORE:759/739 CUSTOMER STATE OF RESIDENCE:FL NEW/USED:New YEAR OF VEHICLE:2008 MAKE:BMW MODEL:328i MILEAGE:12 RETAIL/LEASE:Retail AMOUNT OF LOAN:$34,520 / $1,000 under dealer invoice / $39,917 "Sticker" TERM CONTRACTED:60 APR/LEASE RATE:0.9 MONTHLY PAYMENT:$589.16 MISCELLANEOUS COMMENTARY: Total cost of interest over the life of the loan - less than $900.
APPROVING BANK:Americredit BUREAU PULLED:All CREDIT SCORE:500-552 (at time of pull) CUSTOMER STATE OF RESIDENCE:NJ NEW/USED:New YEAR OF VEHICLE:2007
MODEL:Xterra MILEAGE:24 (at time of purchase) RETAIL/LEASE:Reatil AMOUNT OF LOAN:30,000 TERM CONTRACTED:72 months APR/LEASE RATE: 13% (negotiated down) MONTHLY PAYMENT:$598.60 (current send $600 intend to increase in Oct -$650) MISCELLANEOUS COMMENTARY: Praying to improve credit to refinance in about 2 yrs.
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490 9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642 ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679 1/2/09 EX 668 2/13/09 669 AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED ~
APPROVING BANK: FedEx Employee Credit Union BUREAU PULLED: Transunion CREDIT SCORE: 653 CUSTOMER STATE OF RESIDENCE: TN NEW/USED: New YEAR OF VEHICLE: 2008 MAKE: Nissan MODEL: Rogue MILEAGE: 25 RETAIL/LEASE: MSRP 24,685 AMOUNT OF LOAN: 25,000 TERM CONTRACTED: 60 APR/LEASE RATE: 8.29 MONTHLY PAYMENT: 503 MISCELLANEOUS COMMENTARY: Had to pay down $2k worth of cc debt to get fully approved. They should all post early next week. Was first approved via Capital One at another dealer for 12.49%, said f that. Now using another dealer to get the same car at mush less than first dealer offered. OTD cost of car with new options added was $12 more than MSRP.
APPROVING BANK: First Northern Credit Union BUREAU PULLED: TU CREDIT SCORE: 643 CUSTOMER STATE OF RESIDENCE: IL NEW/USED: USED YEAR OF VEHICLE: see below MAKE: MODEL: MILEAGE: see below RETAIL/LEASE: AMOUNT OF LOAN: 10000 see below TERM CONTRACTED: 60 APR/LEASE RATE: 7.99 MONTHLY PAYMENT: $202 MISCELLANEOUS COMMENTARY: Dealership offered me 18.99%! No one else would approve me. In a last-ditch effort, I joined a credit union and applied for an auto loan the same day. I had to write a ltr about my bk. I had to prove my stu loan pmts are as low as TU reports. The CU offered to pay 80 percent of black book market value on the car of my choice (so on a 2005 Mazda that has a black book value of $12,500, the cu is willing to pay $10000, but I have to come up with $2500 to pay the difference, and I have to pay for tax, title, plates, regis). The CU gives me the freedom to go to a dealership or a private seller anywhere, even out of state. I urge you to JOIN A CREDIT UNION!!!!!!!!!!!! Message Edited by jinjerly on 09-08-200804:05 AM
APPROVING BANKentagon Federal Credit Union (Penfed) BUREAU PULLED:Equifax CREDIT SCORE:662 (when I checked end of August) CUSTOMER STATE OF RESIDENCE: MD NEW/USED:Used YEAR OF VEHICLE:2006 MAKE:Acura MODEL:TSX w/nav MILEAGE:19,000 RETAIL/LEASE:24,899 Amount OF LOAN:24,000 Term CONTRACTED:60 APR/LEASE RATE:4.75 MONTHLY PAYMENT: 450.00 MISCELLANEOUS COMMENTARY:I am also putting down 3,000 to cover tag, title and fees.
APPROVING BANK:Capital One/Landrover financial BUREAU PULLED:Experian CREDIT SCORE:686 CUSTOMER STATE OF RESIDENCE:Utah NEW/USED:Used YEAR OF VEHICLE:2004
MODEL:Range Rover HSE MILEAGE:68500 RETAIL/LEASE:Retail AMOUNT OF LOAN:$22,100 inc. tax, title TERM CONTRACTED:72 APR/LEASE RATE:11.1 MONTHLY PAYMENT:424 MISCELLANEOUS COMMENTARY:I've been rebuilding my credit. I was actually approved by LandRover financial 60 mos/3.99 APR, but because I have another auto loan, they turned it down. I had Cap 1 as my backup and I'll refi with my CU as soon as the other baddies on this CR fall off. My Exp FICO is 657, up from 612 in July. My auto-enhanced pulled in at 686. Love the car so far and love the price is 40k off new.
APPROVING BANK: Capital One Auto Finance BUREAU PULLED: Equifax CREDIT SCORE: Auto Enhanced Score 695 CUSTOMER STATE OF RESIDENCE: PA NEW/USED: Used YEAR OF VEHICLE: 08
MODEL: Sable MILEAGE: 32,000 RETAIL/LEASE: AMOUNT OF LOAN: 18,687 TERM CONTRACTED: 72 APR/LEASE RATE: 8.8 MONTHLY PAYMENT: 370 MISCELLANEOUS COMMENTARY: Applied for blank check, was aproved for 27,000 but only used 18,687.