11-17-2012 01:26 PM
Thanks everyone in myfico. i have tremendously benifited from your advices and insights.
Today, i sealed a deal for a 2013 highlander at 0% with 0 downpayment.
I asked what CB they will pull and they told me all but will pick the best one. I told them to spare me a hardpull and transunion. I pulled myfico transunion score last night , so i knew it was 702. I didnt tell him my score.
And he said Ok. WOOOOW, a wopping 719-Auto enhanced. My first auto financing.
But, i am still nervous. The sales rep came out and said congratulation your score was so good that you can buy anything you want.
But then, The financing manager came out shook my hand and said, "Congratulation, you are approved for the 0% TFS. There was little issue but i did take care of it-=you have a really nice score"
What is that supposed to be?
anyway, i signed up the paper work and they will deliver the car for me in the next couple days.
11-17-2012 01:32 PM
11-17-2012 01:34 PM
Dont worry about your report.. What the Finance Manager did was just use a sales tactic on you to make it seem like HE did the work to get you approved when in reality you did all the work!
Congratulations on your new car, report and approval!!
11-17-2012 01:43 PM
11-17-2012 01:49 PM
I used to be a sales manager for Sprint Cell Phones, and we used to use that for people that didnt think they were gonna get approved and when they did we would say that we made it happen for them and that it could change if they went somewhere else lol..
welcome to the world of sales
With your self pulled 700+ you were still most likely over 680 you were good!
11-20-2012 07:13 PM
Thanks Guys. I have picked up my car and yes surely i was approved by Toyota financial. They pulled me again today and he showed the approved letter. finished the paper work and drove off with my car. I purchased GAP insurance also.
Thanks guys for the advice and inputs.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO