10-10-2012 03:52 PM
Guy the honest truth you could proably lease your self a new civic with a 670 FICO honest truth
That's a nice ride. I won't rule out a Benz once I have all my debt gone.
My plan is to purchase an 5-8K car (Honda civic like) I'm guessing $ 300 per month range for 2 years...and pay it off early....as well as my two cards
By that time I should be able to get something nice
10-10-2012 04:01 PM
I would try the capital one because they will give you an instant decsion and their terms aren't that bad. do you have any credit with capital one now?? If so and good history i would apply now and get the blank check in a few days
Too many miles.......
I'm in sales
I wonder if I should apply for a auto loan with Capital One? Does it hurt or help that I already have a credit card with them?
10-10-2012 04:13 PM
The guy on the phone said my score was a C rate. (fair)
The thing that sucks the most is I can even get by with a $ 5,000 dollar car and payoff everything with in a years time based on the extra 20g's I'll be making per year.
I just need a car right away....and don't have any free cash lying around.
I also don't want to go all over town applying for loans messing up the decent credit that I have.
I thought Credit Unions gave me my best chance......and if that's the case I'm screwed
Thanks for the help BTW
All auto inquiries will be scored as one inquiry if made within a certain timeframe. I always forget the exact days. I think it is 45 days for the newer scoring models. In any event, since you just applied at the CU, additional inquiries right now are not going to further damage your score. They will appear on your report, but if they are coded correctly, FICO will only score one inquiry.
10-10-2012 05:14 PM
Congrats. Hope the new job goes well.
10-10-2012 06:22 PM
Congrats on the approval. Always remember you can re-finance down the road and lower your rate even more!
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