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Auto loan with one good score and two low scores

New Contributor

Auto loan with one good score and two low scores

I am trying to take advantage of the 0% apr that toyota has. but here is my problem.

My transunion score is 690 now but equifax was 661 but dropped to 634 after settling an old debt.

Do i have a chance with that Transunion score to secure 0% apr with toyota.

 

i will appreciate your help.


Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

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4 REPLIES
New Contributor

Re: Auto loan with one good score and two low scores

Bump

Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
Message 2 of 5
New Contributor

Re: Auto loan with one good score and two low scores

anyone?


Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
Message 3 of 5
Senior Contributor

Re: Auto loan with one good score and two low scores

It's been a while since I got an auto loan, but my understanding is it varies quite a bit by lender.  Some will take your best score, some only pull from one CRA, etc.  Call the dealer and see if they will tell you who they pull. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Message 4 of 5
New Contributor

Re: Auto loan with one good score and two low scores

It seems I figured out what's wrong with my Equifax score. I recently settled 2008 charged off kohls card. They have updated it wrongly.
Date of major delinquency-Sept 2012.
Hopefully I can get them to correct this.

Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
Message 5 of 5