New Contributor
kbella
Posts: 63
Registered: ‎11-17-2008
Re: Auto Loan Approvals!
APPROVING BANK: Wachovia
BUREAU PULLED:  Transunion I think
CREDIT SCORE:
CUSTOMER STATE OF RESIDENCE: Illinois
NEW/USED: New
YEAR OF VEHICLE:2008
MAKE:Kia
MODEL:smileyfrustrated:edona
MILEAGE:20
RETAIL/LEASE:Retail
AMOUNT OF LOAN:23000
TERM CONTRACTED:72
APR/LEASE RATE:11.99
MONTHLY PAYMENT:  451
MISCELLANEOUS COMMENTARY  Expected higher rate.  Although first received a rate of 19.75% at the credit union through my husband's work.  Said forget that and went to Kia who was able to get this loan, although a few banks like Harris turned us down and Wachovia ultimately approved.  Kia had a 5,000 rebate so that helped.  Our scores are a little better than they were in January due to incorrect collections, but our DTI is still higher than it should be.  We're also on our second year with CCCS (which I'm happy with).  Hope to refi this in a year for a shorter term and better rate. 
TU-579 EX-551 EQ-562 as of 1/14/09 (ouch)