I want to get a motorcycle but I don’t know if I would get a better rate and an easier approval on either loan? The loan will be for around $16K. It is to purchase a motorcycle but the better rate is also a factor.
Starting Score: 526
Refinance the auto loan if you have a high rate. Then look and see if motorcycle fits your "needs" not "wants"
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
I paid auto loan off already 2005 Toy. Tacoma. Looking at lower end Harley or Victory. Either one. not more than I need just perfect for rides and gas saving plus a little enjoyment. i haven't ran my credit yet, wondering if I should just credit shop at the same time I do this so I know where I stand.
TU 635 EX 640 EQ 645 Cap1 = $500/ $105 Any suggestions? Any advice is welcomed here. Oh looking for discover or Citi card also to bump up my CL and mix of CC's. i currently only have one. Getting CLI on Cap1 is almost imposssible by posts.
@webhopper wrote:
Refinance the auto loan if you have a high rate. Then look and see if motorcycle fits your "needs" not "wants"
+1 Excellent post!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
