That's a great quote at the bottom of your post. Honest as hell. I have to start a company-mandated training program at work, and though I'm not new with my employer I'm in a new position which to say it nicely is stretching my capabilities into a new shape...made me think of coaching and counseling as we call it and my challenge to get people to take personal responsibility for the actions that brought them into my office, instead of sitting and talking about "Why doesn't so and so get in trouble? Why am I being picked on/singled out/etc."

Because I caught YOU in the act, is my answer.

Sorry everyone to be off-subject. Still loving my RAV. 

I thought GMAC announced that they would only be granting credit to those who were a 700 and higher,

or am i mistaken?

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shalane85 wrote:

APPROVING BANK:GMAC Bank
BUREAU PULLED:Experian
CREDIT SCORE:620
CUSTOMER STATE OF RESIDENCE:Georgia
NEW/USED:New
YEAR OF VEHICLE:2008

MAKE:Chevrolet

MODEL:Impala
MILEAGE:33 miles
RETAIL/LEASE:Financed
AMOUNT OF LOAN:$25900
TERM CONTRACTED:72 months
APR/LEASE RATE:8.9%
MONTHLY PAYMENT:464.36
MISCELLANEOUS COMMENTARY:I had a trade in (03 Chev Malibu) owed $8k and only got $4k for trade in.So I added $4k to my new loan.

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APPROVING BANK: Hudson Valley Federal Credit Union (HVFCU)
BUREAU PULLED: Experian
CREDIT SCORE:  672 (Coincidentally, the highest of all three...by a lot)
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: New
YEAR OF VEHICLE: 2008
MAKE: Saab
MODEL: 9-3
MILEAGE: ---
RETAIL/LEASE: Retail
AMOUNT OF LOAN: ~$9970
TERM CONTRACTED: 60 months
APR/LEASE RATE: 7.8%
MONTHLY PAYMENT: $200.42
MISCELLANEOUS COMMENTARY:  [This happened 11/08]  This was with a trade-in, incentives and a hefty down payment.  This CU originally denied me until the dealer called them, unbeknownst to me, and convinced them that it's a win-win situation for them even if I were to default (small loan amount on a new car and will never be upside down).  I already paid off $2500 and plan on it being completely paid in less than a year.  My history shows 3 car loans all paid off with no lates and one current car loan, no lates.   Edited to add:  Paid off 8/13/09!

11/30/08 TU 648 EX 672 EQ 656 2011 TU 736 EX 751 EQ 729 5/2012 TU 759 EX 784 EQ 742
Amex Blue/Clear/BCP/Surpass Hhonors/Business Gold - Barclays LLBean - BOA Hawaiian Airx2/Virgin Atlantic - Cap One Cash Rewards - Chase Freedom/United Mileage Plus Explorer/Sapphire Preferred/Ink- Citi Diamond Preferred/Dividend/ Shell/HHHx2/Reserve- Discover More - GEMB Lowes - Macy's

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Starting Score: 648
Current Score: 736
Goal Score: 765

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