05-09-2013 09:18 AM
Dropped my son at school and shortly thereafter my minivan engine started cutting out and driving jerkily...barely moving. Engine light came on. I was totally freaked bc I was in my fuzzy pink bathrobe and didn't want to get stranded...OMG!! So, I floored it, there was a snap and the engine kicked back in but the check engine light stayed on. Barely made it home...whew!!!
05-09-2013 01:17 PM
Well at least change into your soccer mom clothes before you hit the dealerships! Seriously, unless you have been considering a new car already then an intermittent problem with your current vehicle is no reason to panic. I am not a mechanic in the least (that's what I have credit cards for) but running it by a shop they can get the codes that will tell them what's the matter. From there you can make a more informed decision.
But if your post was in jest or your ready to just dump the minivan and get a sports car then "You go girl!!!"
05-09-2013 09:47 PM
05-09-2013 09:48 PM
05-10-2013 01:40 PM
You don't address what kind of car it is so no one can tell you if it worth fixing.
We also don't know if you are already eyeing a new car and this is just your motivation to get out there.
No judgment here, I am notorious for trading in a car because it has given me a couple of problems :-)
05-11-2013 03:06 AM
I'd been planning on app-ing for a new car but wasn't *quite* ready yet. My minivan is a 10 year old Toyota Sienna with 175k + miles on it. I never changed the timing belt which is apparently a no-no. I was afraid it was that but my step-dad thinks it's a fuel injector. I will probably have a mechanic look at it and if it's reasonable to fix it I will before selling it. From looking at Edmunds it's only worth maybe $3500-$4000 best case scenario. I can't decide whether to just trade it in or try to sell it on Craigslist. I will probably ask the dealer what they'll give me and if it's reasonable go with that. I'm kinda scared of dealing with people off of Craigslist or eBay.
I definitely need a car, and a reliable car. I am a working single Mom with 100% custody.
The good news is that I went ahead and app-ed at NFCU and....drumroll....$40k loan for 1.79%!!! I can't BELIEVE it. Back in October I was looking at a 17% type loan with my credit score then. I just sent off my order for a new Audi Q5!!! So excited!!!
05-11-2013 10:33 PM
05-11-2013 10:54 PM
05-11-2013 10:57 PM
Congrats on your approval and the new car that will follow! How long did it take to get your approval through NFCU? I just applied like 5 minutes ago and the suspense is killing me. Lol
I started out app-ing online but then wasn't sure how to report my income (use last years taxes which include fairly typical stock sales or just use straight salary) so I called.
I was probably on the phone with the agent for around 30-40 minutes. I ended up in review. Had to answer some identity questions which were probably related to the fact that I have a fraud alert on my account from the Hippa proces. They then asked me to fax them my last two paychecks which I found VERY surprising given that I'd discovered they had used The Work Report previously to confirm my income when I applied fo rmembership (unbeknownst to me)
After I faxed in my docs it was maybe a 1/2 hour to an hour before it was approved.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.