Re: Best auto rates for a score of 630, which go 2 sites?
FYI, my Eq 04 score was 640, and I was denied by DCU, not even on a recon. I have 133k income and almost no bills. I did get approved with wells fargo dealer services with 640 EQ 04, at 6.9% 72 months. I guess it all depends why your score are low. Mine were low from stuff that is so olf 6 years 9-11 months. I will have a clean report by July and still denied me flat out.
Re: Best auto rates for a score of 630, which go 2 sites?
I just had a friend with a 640ish score get approved, and only 20-30k annual income. He got 3.99%. I got approved with un unpaid collection for $1300 from 2013, my score was 676 though.
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
Re: Best auto rates for a score of 630, which go 2 sites?
I have an unpaid collection too... Been trying to get it removed but they won't budge. I hope I get a 3.99 that would be sweet! I'm gonna apply Monday and I'll post an update.
Re: Best auto rates for a score of 630, which go 2 sites?
just to be clear that was through a dealer, and they used wells fargo dealer service, which is full spectrum lender. If you just go into a wells fargo or apply directly they have different criteria and are primarily a prime + lender. Good Luck!
Re: Best auto rates for a score of 630, which go 2 sites?
Mine weren't new car purchases but refinances as well, don't think that will have any bearing though. I refinanced a 14' Charger RT for 30k and a 13' Avenger for 18k. I've had the Avenger loan since Aug 13' and the Charger loan since May 14'.
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
Re: Best auto rates for a score of 630, which go 2 sites?
I'm at 672 FICO. Looking to trade in my car for a Used 14' Mini with 7,000 miles on it, car is $26,495. I opened an account with DCU but torn on going thru DCU or seeing what the dealer pulls first. I'm going tomorrow to go crunch numbers. I'll have to roll in 5g of negative equity from my old car but going to put 3,000 down. Hmmmm
