So I found a Toyota that I really liked through Cars.com for a great price at a Nissan dealer. I was told by the salesperson that by paying cash, I would incurr a $400 "doc" fee. What? So, I ended up fincancing half the purchase price at a very low rate (1.9%), as I was allowed to use my debit card for the down payment.
I paid the car off over two months, which cost me about $13 bucks in interest, far less than $400.
Two parts that suck here, first is the 16 point hit on my Fico score for a hard inquiry, and second, Wells Fargo still appears as a creditor, months after paying the car off. Any idea how long this will continue to appear?
T/U-810 Equifax-813 09/10/17
