Moderator Emeritus
Posts: 12,068
Registered: ‎12-30-2011
Re: Where to Apply?

firststep wrote:

Here is my Update:


My utilization down to 35% from 98% .. score is 613 Experian by roadloan 


got loan from capitalone (19%) and roadloan (11% with 4K down)  [ car i am looking to buy cost me around 20K have downpayment around 7K ]


planning to go to dealer and ask them if they can give me better rate.... either way i will refinance after 6-8 months


guys... give me some advice what might be my best course to take ..  I need to buy car within 10 days ..thanks



11% isn't a terrible APR in your situation at all.  I think you already have your plan right there, that's exactly what I did actually and anecdotally it's worked for a lot of folks.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)

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Established Contributor
Posts: 505
Registered: ‎11-05-2012
Re: Where to Apply?

Capital one. No No they turn me down 2 times . lol and they pull all 3 for your app !

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
Re: Where to Apply?
Update from my last post. About to close on our dream house in about a week and the price tag is $347,900. Things didn't work out with me purchasing our current residence as my landlord refused to make any repairs and the price jumped to $210,000. It isn't worth that much. Landlord is upset that I'm not buying her property and is trying to evict us before we close on the house. Never paid her late so I hired an attorney.

Best of luck finding a new car...keep us posted. :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
New Member
Posts: 4
Registered: ‎12-09-2012
Re: Where to Apply?

Final update:


I finally bought a car and got interest rate 9% dealer beat roadloans rate of 11%   ( credit score : 610 transunion dealer pulled)


I am still planning to refinance after 6 months.


thanks everyone for your valuable input.

Starting Score: 530
Current Score Equifax: 647
Current Score Experian: 647
Current Score Transunion: 640
Goal Score: 700