10-18-2012 02:46 PM - edited 10-18-2012 02:47 PM
10-21-2012 05:17 PM - edited 10-21-2012 05:18 PM
10-23-2012 01:34 PM
05-31-2008 09:46 AM - edited 04-09-2011 03:55 PM
Message Edited by Schoolbuskid on 05-31-2008 09:46 AM
10-24-2012 06:27 AM
10-24-2012 10:06 PM - edited 10-24-2012 10:08 PM
Auto Loan Approvals!
APPROVING BANK: Santarder(Roadloan)
CREDIT SCORE:673 when he pull on EQ 620
CUSTOMER STATE OF RESIDENCE: SC
YEAR OF VEHICLE:2009
AMOUNT OF LOAN:18000
MISCELLANEOUS COMMENTARY:My Friend is first time car buyer. he has 3 collections and 2 CO. it been 5 year ago.But when dealer pulled his credit report and they said no one can give him a loan but Santarder.BC he has credit but very limit ! and i dont know how they check his credit but did not see any CO and collections.he has 4 credit card at that time. but they see only 1 ???? may be he disputing with EQ in his credit report at that time. ??? i dont know what happened with that dealer........
10-25-2012 04:50 AM
10-25-2012 02:17 PM
10-25-2012 07:38 PM
10-25-2012 08:21 PM - edited 10-25-2012 08:27 PM
scenery_guy wrote:APPROVING BANK: Chase
BUREAU PULLED: EQ
CREDIT SCORE: 765
CUSTOMER STATE OF RESIDENCE: FL
YEAR OF VEHICLE: 2012MAKE: Range RoverMODEL: Evoque coupe
AMOUNT OF LOAN: $23,600 after $25,000 down
TERM CONTRACTED: 60
APR/LEASE RATE: 1.9%
MONTHLY PAYMENT: $417ANNUAL INCOME: 86,000 to 105,000 (varies yearly)
MISCELLANEOUS COMMENTARY: Needed (or wanted) a new car and had cash for down I had saved for years while driving my beater pick up truck. Tried B of A and was declined (I have personal and business checking with major balances there). Tried a local credit union and was approved for 2.49%. Called dealer to set up test drive and purchase and they wanted to see if they could get me a better rate. I was fully expecting a decline but I was approved in less than a minute. Signed papers and drove the car to B of A for cashiers check for down (that felt good). I am doubling up on payments for next few months so I can get ahead of the note in case I need a break at some point but payment so low it's really not a problem.
Thanks for all the great advice posted here, everyone has been a huge help in getting me on a better path!
Congrats big time. And this is just me, but the next check I would write would be to empty my BoA accounts and put them where you are treated like a valuable customer. They refused to give me a Bass Pro Visa a few years ago while I was rebuilding(680+ Fico). Cabelas stepped up to the plate, and that's where I do most of my business even though there is not a store anywhere near me. I feel the same way about Cap1, only worse. Much worse..
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.
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.