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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.