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Approved for Auto Loan by Lexus Financial 2.5 years after Bankruptcy

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Frequent Contributor

Approved for Auto Loan by Lexus Financial 2.5 years after Bankruptcy

So I had be comptemplating over the past few weeks weather I would go for a car loan or not...I had spend the last two years rebulding and have a very decent credit card portfoio. So today I went into Lexus dealership and looked at a 2010 SUV (GX 470) that I wanted test drove it, the priced was right where I wanted it. Decided to give the financing route a shot. The Sales Manager asked on scale of 1 to 10 where's my credit, I said 6, because I was worried the BK would be an issue, he comes back and says how does 4.99 sound I almost fell out of my chair today. I did not expect a rate that low I was thinking maybe something around the 9%. I got my EQ credit score from them and it was 698. All I can say is that I am a happy camper right now....i owe everything to all the contributors on this forum I have learned so much and gained so much confidence and gotten my credit back in shape. Next up is a mortgage I will be targetting the fall for that one.


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
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2 REPLIES
Established Contributor

Re: Approved for Auto Loan by Lexus Financial 2.5 years after Bankruptcy

Congrats. That is very nice! Keep up the hard work.
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 2 of 3
Senior Contributor

Re: Approved for Auto Loan by Lexus Financial 2.5 years after Bankruptcy

Awesome job!!!! WAY TO GO!! You get a happy dance.

 

 

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