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Hey Guys!
So, I'm looking to trade in my car for a new one in December. My credit is 710. The car that I'm trading in is worth about 10-11K and the one I'm going to get is about 30K.
I have about 4 credit cards that have high balances. I can't pay them down/off by December.
Will I have any issues getting approved?
Welcome to myFICO.
To truly value you car head over to CarMax and get a free buy offer. This will tell you what a dealer will likley offer you.
Your credit score is fine but we do not know your current DTI, income etc
What is the utilization on the cards currently?
I say go to Capilaone Navigator and see if you qualify for a pre-approval. This will only be a soft pull of you credit.
Do you know your current DTI (Debt to Income level)? Get a free account with Credit Sesame and see what they list your DTI as.