creditwatcher2012 wrote:well i started looking at acuras in june, and they only offered me 18% but ran my credit like 8x, and i was at bmw they ran my credit another 5 times, etc,,etc i finally got a good approval from infiniti but how it expired................it was from june-to present...
i was at about 10 delerships thou
in how wide of a period did you apply for the loans. loans within 2 weeks periods of time are considered 1 inquiry. Again probably your best bet is Ford, but you can buy used cars of different makes there so it's not too bad if you shop around.
creditwatcher2012 wrote:yes I am on a cell phone its terrible writing on thease , and I just noticed the chase BP card their was suppose to be another zero so 1700.00. I actually financed my last vehical from ford credit, they turned me down this time(21 30 day lates on the last loan).... but I was never late on any of my credit cards, the loans just killed me..... now Im hoping to get financed through volvo financials.
did I read that right? 21 as in twenty one 30 days late? that's pretty hard to do.... how could you keep current on your credit cards but not your car? I dunno seems like you need to garden and quit applying for anything (garden = let your credit grow without apping, and managing it properly)
creditwatcher2012 wrote:I didnt charge on my credit cards and most of them are new, it was quite hard managing 800.00 a month in an auto loan payment during the recession
sounds like you bought a car that was way out of your budget.... 800 car payment? good lord what did you get? that's $48,000 paid in 5 years. Even with terrible interest rates you should be paying no more than $430 a month for something decent like a used camry at 20% interest rates which is what terrible car dealerships would charge. Recession or not you should always hope for the best, but plan for the worst. also research cards before you get them, more than half your cards are not good, and with such low limits I wouldn't even personally carry them ever and just use then occassionally for internet purchases keeping them alive on life support. considering you have a 4k freedom. Don't apply for anything else, and let your credit grow for 1 year til the inquiries fall off.
let your credit grow, all those apps and bad choices are ruining your chances at a decent financial life. Those interest rates are insane, with good credit you could easily get a Mercedez at the price of the 800$ a month payments.
for what it's worth.
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