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Where to Apply?

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Moderator

Re: Where to Apply?


firststep wrote:

Here is my Update:

 

My utilization down to 35% from 98% .. score is 613 Experian by roadloan 

 

got loan from capitalone (19%) and roadloan (11% with 4K down)  [ car i am looking to buy cost me around 20K have downpayment around 7K ]

 

planning to go to dealer and ask them if they can give me better rate.... either way i will refinance after 6-8 months

 

guys... give me some advice what might be my best course to take ..  I need to buy car within 10 days ..thanks

 

 


11% isn't a terrible APR in your situation at all.  I think you already have your plan right there, that's exactly what I did actually and anecdotally it's worked for a lot of folks.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 21 of 24
Established Contributor

Re: Where to Apply?

Capital one. No No they turn me down 2 times . lol and they pull all 3 for your app !

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 22 of 24
Valued Contributor

Re: Where to Apply?

Update from my last post. About to close on our dream house in about a week and the price tag is $347,900. Things didn't work out with me purchasing our current residence as my landlord refused to make any repairs and the price jumped to $210,000. It isn't worth that much. Landlord is upset that I'm not buying her property and is trying to evict us before we close on the house. Never paid her late so I hired an attorney.

Best of luck finding a new car...keep us posted. :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 23 of 24
New Member

Re: Where to Apply?

Final update:

 

I finally bought a car and got interest rate 9% dealer beat roadloans rate of 11%   ( credit score : 610 transunion dealer pulled)

 

I am still planning to refinance after 6 months.

 

thanks everyone for your valuable input.


Starting Score: 530
Current Score Equifax: 675
Current Score Experian: 681
Current Score Transunion: 685
Goal Score: 700


Message 24 of 24