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kese
Posts: 60
Registered: ‎07-09-2012

Auto loan with one good score and two low scores

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‎10-31-2012 10:33 AM

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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New Contributor
kese
Posts: 60
Registered: ‎07-09-2012

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

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‎10-31-2012 08:20 PM

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
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New Contributor
kese
Posts: 60
Registered: ‎07-09-2012

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

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‎11-01-2012 10:31 AM

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
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Valued Contributor
Walt_K
Posts: 2,631
Registered: ‎11-02-2009

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

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‎11-01-2012 01:29 PM

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 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720

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New Contributor
kese
Posts: 60
Registered: ‎07-09-2012

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

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‎11-01-2012 03:47 PM

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 (317 Views)
 
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