02-08-2011 05:27 AM
02-10-2011 10:55 AM
APPROVING BANK: Toyota Financial (Lexus)
BUREAU PULLED: Equifax (my pull was 683)
CREDIT SCORE: 721
CUSTOMER STATE OF RESIDENCE: Kentucky
YEAR OF VEHICLE:. 2007
MODEL: GX 470
AMOUNT OF LOAN: ~$36,000
TERM CONTRACTED: 72 months
APR/LEASE RATE: 4.25%
MONTHLY PAYMENT: $589
MISCELLANEOUS COMMENTARY: Came with a 36 month/ 100,000 Certified Warranty. Extended it to 60 months (transferrable) to cover close to the term of loan. I know it is not ideal to extend to 72 months, but I typically hold all my cars until completely paid. Will probably trade this around 57 months. I was VERY happy with that rate! The car is covered from bumper to bumper (other than brakes, wipers, oil change, etc), they provide road side assistance and it is valid at any Lexus in the US.
02-11-2011 12:24 PM
02-11-2011 09:19 PM
APPROVING BANK: Chase
BUREAU PULLED: Equifax
CREDIT SCORE: 754
CUSTOMER STATE OF RESIDENCE: Pennsylvania
YEAR OF VEHICLE:. 2005
AMOUNT OF LOAN: 15.780
TERM CONTRACTED: 60 months
APR/LEASE RATE: 9.14%
MONTHLY PAYMENT: $321.23
MISCELLANEOUS COMMENTARY: 2000 Down payment, includes Taxes and tags + 3 Years/36.000 Extended warranty on Engine, transmission and axles. This is my first car, with only 6800 credit line history. Rate is little high, but due to my limited history/credit line.
02-12-2011 03:39 PM
02-12-2011 03:51 PM
02-12-2011 06:16 PM - edited 02-12-2011 06:17 PM
Approving Bank: United Auto Credit
Bureau Pulled: EQ
Credit Score: 599
Customer STATE OF RESIDENCE: FL
Year Of Vehicle: 2005
Model: Maxima SL
Amount Of Loan: 8500
Term Contracted: 30 mo
Monthly Payment: $291
Miscellaneous Commentary: BK Discharged 11/10 I had a vehicle before bk and was never late until 3 mos prior to bk, after paying 2.5 years without the balance going nowhere.My scores have came up quickly i guess, starting at 425 in June til now 599 with 2 cards and the auto loan. I would be glad to trade her in for a new MAX. BTW retail for my car is 11900 so i gotta pretty good deal.
02-12-2011 09:30 PM
02-13-2011 09:58 AM
APPROVING BANK: WELLS FARGO DEALER SERVICES
BUREAU PULLED: Not sure...I think Equifax
CREDIT SCORE: 696 (possibly auto-enhanced); myFICO score was 680
CUSTOMER STATE OF RESIDENCE: VA
YEAR OF VEHICLE: 2011
AMOUNT OF LOAN: 24,707
TERM CONTRACTED: 72 MTHS
APR/LEASE RATE: 4.94%
MONTHLY PAYMENT: 398
MISCELLANEOUS COMMENTARY: I've been surfing these forums for a couple of years and have drastically improved my credit score. I had negative equity in my trade-in and had refinanced twice to go from 22% to a 12% Cap One rate. I messed my credit up when I was young and it is officially back on the mend. I also bought gap insurance. My rate is now 4.94% and I am thrilled!!! Love my new car!!!! Thanks, myFICO!!!
02-13-2011 03:57 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.