Need Auto Loan but have a Judgement on credit +722 score

[carlos0001]

Hello

I would like to see if anyone had knew of any banks that may work with judgement on my credit to obtain an auto loan.

I am having alot of trouble because of a judgment on my credit report. My credit score is a 722 from experion and have about 6 credit cards all with 0 balence and no collections. I make over 120k per year. Judgement is from a 2nd mortgage on a investment property we lost 5 years ago.

Already tried DCU and got denied.

Thank you for your help

[notfancy]

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@carlos0001 wrote:

Hello

I would like to see if anyone had knew of any banks that may work with judgement on my credit to obtain an auto loan.

I am having alot of trouble because of a judgment on my credit report. My credit score is a 722 from experion and have about 6 credit cards all with 0 balence and no collections. I make over 120k per year. Judgement is from a 2nd mortgage on a investment property we lost 5 years ago.

Already tried DCU and got denied.

Thank you for your help

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Is the judgement paid? In some cases, you can petition the court to have it vacated.

[ExplicitElicit]

Welcome!

Is DCU the only place that you've attempted to obtain financing? Cu's in general don't like Judgements. Have you tried to finance through a dealership?

Sorry for Typos-iPhone 5S

[hallas]

Try Carmax, they'll shoot your credit to various lenders and get you approved. Make sure you have provable income and things like that. 

Capital One Auto

Santander 

Wells Fargo 

Those are the ones they shot my scores to, in order to get me approved. Good luck. 

[IamB2]

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@carlos0001 wrote:

Hello

I would like to see if anyone had knew of any banks that may work with judgement on my credit to obtain an auto loan.

I am having alot of trouble because of a judgment on my credit report. My credit score is a 722 from experion and have about 6 credit cards all with 0 balence and no collections. I make over 120k per year. Judgement is from a 2nd mortgage on a investment property we lost 5 years ago.

Already tried DCU and got denied.

Thank you for your help

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I don't see why you wouldn't be approved. I have a repo showing from 2012 and my scores were 663 (on EQ when they pulled), and I got financed through Wells Fargo Dealer Services in March 9th. I put $2K down on a  (just over) 19K (out the door price on a 2014 Corola S Plus model). Financed amount was about $17,171.

May not be the best terms, but you should be able to get it without any problems through the dealership.

[Remember0]

Need more info. Is that credit score a FICO score or FAKO score? What exactly are you trying to buy? Does your EQ have baddies that do not report on your EX? As other people have said, where else did you apply?

In general, I'm a little surprised at the DCU denial. Other places your could try are CapOne and BofA. But answer my questions above first if you can...