Re: Denied Denied Denied
11-24-2012 07:43 AM
I'm assuming you don't need the car right now. I would pay off all cards and only allow one to report 1-9% util. Get a copy of the report and see what is dragging you down, make notes and then try to GW, DV, PFD, etc.
I believe that you will eventually find someone to finance you (probably require a bigger down payment), but it wouldn't be good business for you in the form of higher interest rates, possibly throwing you of budget (plus you might be so desperate for approval that you will probably accept everything the dealer throws at you).
Your options are:
Fix credit or maximize what you already have (bring util down)
Find a cheaper car
Save up for a bigger down payment
CK TU: 645; Wal-Mart TU FICO: 693
CS EX: 719
7 CCs, 11 total accounts.
Negs on report: 1 30 day late aged 2 years