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Well, I put a deposit on a car on Friday afternoon.I had to leave the dealership before the results of my loan came in..... The sales guy ran my credit through AGAIN because this "loan" was for a different car.... This car was a little bit cheaper at 30 versus 35
I gave him a check for 5K....I found out last night that I was approved at the promo rate (either Tier o or Tier 1) , on my own - no cosigner needed
MB only pulled TU for me, current score at 655 TU
Maybe it was the fact that I gave a semi decent downpayment?
I am truly shocked that I didn't need anyone to cosign this loan for me.
Daisyduke, MB may be using the auto industry flavor of the FICO® score, and that score was probably higher than the FICO® that you see here.
(The down payment certainly helped, too!)
Congrats again on the new wheels...
Thanks UBorrow. I took my son for a cruise this evening and he said "mom, this is a smooth ride", I said "i know"....
I will never know what my score was as the dealership handled it. No running around to Credit Unions trying to get the 5% rate. I got 4.9 for 60 months. Their promo rate is 2.9 for 36 and increase one point per 12 months... I picked this car up at lunch time today. What a nice ride - and it has more stuff than I thought it did...ipod integration, rear window shade, and I love the nav. My first stop was Neiman's to pick up something for the boss....how appropriate!!