Regular Contributor
Posts: 118
Registered: ‎07-22-2012
Car salesman said to come in, the finance manager thinks he can help...

I've heard this before - what does it mean??? LOL


I applied for financing online, FICO scores in the 605-630 range, about $5K upside on my current car, $1000 down payment.


When I pressed for a straight answer about financing, aprroved or not, the salesperson said not to worry, that the finance manager had been doing this for 15 years and could definitely help. In the past with lower scores, I've gotten a straightup "NO".


Why can't I get a straight yes or no? I know they just want to get me in the dealership but I'm not going to drive 1.5 hours to get the runaround...

February 2012: 480 across the board (before I found this site and started working on my scores)
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)