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Advice please!!!!

Valued Contributor

Re: Advice please!!!!

Congrats!!! :-)
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
Message 21 of 31
Regular Contributor

Re: Advice please!!!!

Thank you!!!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Message 22 of 31
Established Contributor

Re: Advice please!!!!


Prettylady1 wrote:
Wanted to update everyone!!! Went ahead and applied for the car I wanted and got approved through Honda Finance with no money down and 1.99% APR for 60 months!!!! I can't believe it!!! My equifax is 706 but my auto enhanced score was 722!!!! Yippee. Now getting my old car ready to try and sell. Thanks for all your advice!!

Great

 

Congrats



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 23 of 31
Regular Contributor

Re: Advice please!!!!

Thank you!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Message 24 of 31
Regular Contributor

Re: Advice please!!!!

Congrats on being up to your ears in debt for the next 6-7 years when you had a perfectly good car.



Message 25 of 31
Regular Contributor

Re: Advice please!!!!

Thank you so much!! It's actually the next 5 years!! I'm not up to my ears in debt but thanks for your concern. The joys if being an educated woman and being able to afford what you want and deserve!!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Message 26 of 31
Regular Contributor

Re: Advice please!!!!

I wish you luck on that new loan and hope you learned whatever lesson from your previous problems that caused you to have scores in the 630's when you started out on your credit journey. Sometimes people get out of debt and financial trouble just to get right back into it when things get better. I know it may not be what you want to hear, but sometimes just because we can get credit, doesn't mean it's the best thing for us. I truly hope you are able to keep that car for 5 years.

 

Anyway, I'll back off and just wish you luck and say congrats.




Message 27 of 31
Regular Contributor

Re: Advice please!!!!

 

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Message 28 of 31
Regular Contributor

Re: Advice please!!!!

Thank you! I'll probably keep the car for 3 years then I'll be ready for something else Smiley Wink

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Message 29 of 31
Regular Contributor

Re: Advice please!!!!

Unless you plan on throwing a lot of miles on it, you should think about leasing if you want a new car every three yrs.

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Message 30 of 31