Approved for Lease with Volkswagen Credit!

Anonymous · ‎03-11-2015

I qualified for a 36 month lease on a 2015 Volkswagen Passat! First time I've ever gotten a car in my name. Black on black, all the bells and whistles, Tier B financing (due to never having a car loan in my name before) and $500 due at signing. I read and read about leasing and buying. Don't worry, I declined some things that I knew weren't necessary. Anyway, I am happy and proud of myself.

BTW-The manager, salesman, nor the lady in the credit department that did all the paperwork, knew what I was talking about when I asked if they would be using auto-enhanced fico or classic fico. They looked at me with no expression and just said, "regular fico, mam." LOL

Zorasmiles · ‎03-11-2015

@Anonymous wrote:
I qualified for a 36 month lease on a 2015 Volkswagen Passat! First time I've ever gotten a car in my name. Black on black, all the bells and whistles, Tier B financing (due to never having a car loan in my name before) and $500 due at signing. I read and read about leasing and buying. Don't worry, I declined some things that I knew weren't necessary. Anyway, I am happy and proud of myself.

Congrats on the new vehicle lease and your FIRST vehicle in your name!

FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them.

Deltadog03 · ‎03-11-2015

Awesome!! Congrats!

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Anonymous · ‎03-11-2015

@Zorasmiles wrote:
@Anonymous wrote:
I qualified for a 36 month lease on a 2015 Volkswagen Passat! First time I've ever gotten a car in my name. Black on black, all the bells and whistles, Tier B financing (due to never having a car loan in my name before) and $500 due at signing. I read and read about leasing and buying. Don't worry, I declined some things that I knew weren't necessary. Anyway, I am happy and proud of myself.
Congrats on the new vehicle lease and your FIRST vehicle in your name!

Thank you so much!

Anonymous · ‎03-11-2015

@Deltadog03 wrote:
Awesome!! Congrats!

Thank you!!!

TRC_WA · ‎03-11-2015

Enjoy the ride

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

kaw943 · ‎03-12-2015

how do you know what tier you are, i was approved through mercedes finance on my lease in october love everything so far but did not remember seeing anything about tier B or so on.

Anonymous · ‎03-12-2015

@kaw943 wrote:
how do you know what tier you are, i was approved through mercedes finance on my lease in october love everything so far but did not remember seeing anything about tier B or so on.

That's discussed during the time of negotiations and credit pull. Call and ask them. I needed TU to be at least 740 to get tier A. I was 722. They told me that from now on, anytime I buy from Volkswagen, I'd automatically be Tier A.

Anonymous · ‎03-12-2015

Congrats! thats awesome.

cant wait to pay my 2014 honda and jump on one of those new mustangs

App_Addict · ‎03-12-2015

AWESOME JOB, Congratulations!!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22