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@CraveMazda wrote:
@guydiver wrote:
@CraveMazda wrote:
MyFico has really really helped me with my road to credit recovery. Today I bought a Lexus Certified Pre-owned at the best rate possible during their October sales event.
APPROVING BANK: Lexus Financial
BUREAU PULLED: EQ
CREDIT SCORE: 726
NEW/USED: CPO
YEAR OF VEHICLE: 2010
APR/LEASE RATE: 1.99
Term: 60 monthsCongrats. That's awesome. What did you get? Got my eye on a CPO RX 350. If they pull EQ my auto score will be close to 800.
Thanks Guydiver - I got the HS250h. I wanted a hybrid and wanted a smaller car than my 09 Mazda 6, the IS was too small, the ES was too big. The ES Hybrid is too new so didn't want to spend over $50K for that car. I lucked out and found my gem of a car. I LOVE it. It only had 12,100 miles on it so it is practically a new car. It has all the bells and whistles that one could have gotten on the car minus the ML sound system.
That's awesome! Hope I can find something like that to take the hit off the new MSRP, they are too rich for my blood, and wallet.
Congrats
APPROVING BANK: Digital Federal Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 665
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: Refinance
YEAR OF VEHICLE: 2012
MAKE: Jeep
MODEL: Wrangler
MILEAGE: 5500
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 29k
TERM CONTRACTED: 72mo
APR/LEASE RATE: 2.49
MONTHLY PAYMENT: 433
ANNUAL INCOME: 90k - Joint with wife
MISCELLANEOUS COMMENTARY: Refinanced my Wells Fargo Loan that was at 6.99% at the above rate and terms. No muss no fuss easiest credit app and approval I have ever had. Payment came down $110mo. I had made five payments to Wells. Even though I pushed it back out to 72mo I am still saving a ton of money over the long run. They also gave me a 3k credit card at 11.9%. I am also three years post bk.
In loan shopping mode! So I got approved for this a few days ago which I posted up.
APPROVING BANK: Chase Bank
BUREAU PULLED: Not yet known
CREDIT SCORE: Not yet known
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Undecided
YEAR OF VEHICLE: Undecided
MAKE: Undecided MODEL: Undecided
MILEAGE: N/A
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 12k (deciding if I should request more)
TERM CONTRACTED: 60 months
APR/LEASE RATE: 5.30% (discounted by .50% due to Chase banking relationship) Approved APR 5.80%
MONTHLY PAYMENT: $226.89
ANNUAL INCOME: $22k+
MISCELLANEOUS COMMENTARY: Had to call to have my application reconsidered due to my employment history. Recently changed jobs so I had not provided my previous income or expected income of new job. Currently been a Chase customer for about 4+ years and I have a credit card with them. On to car shopping now! Interested in a Used Hyundai Accent b/c its a car I can afford right now. This is my FIRST auto loan! So excited!
But nowww...I've gotten approved for something even better! This is the best rate and the loan I'm going for!
APPROVING BANK: Capital Bank (Not Capital One)
BUREAU PULLED: Experian
CREDIT SCORE: 700
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: KIA
MODEL: Undecided
MILEAGE: N/A
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 16k
TERM CONTRACTED: 60 months
APR/LEASE RATE: 4.9% APR
MONTHLY PAYMENT: $283
ANNUAL INCOME: $22k+
MISCELLANEOUS COMMENTARY: Again, this is my FIRST auto loan! Will be closing it out probably next week.
APPROVING BANK: Toyota Financial Services
BUREAU PULLED: Experian
CREDIT SCORE: 765
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: New
YEAR OF VEHICLE: 2013
@Shan922 wrote:APPROVING BANK: Capital OneBUREAU PULLED: Unsure
CREDIT SCORE: 631 TU 623 EQ
CUSTOMER STATE OF RESIDENCE: New York
NEW/USED: Used
YEAR OF VEHICLE: not sure yetMODEL: not sure yet
MILEAGE: not sure yet
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $21,600
TERM CONTRACTED:72 months
APR/LEASE RATE: 10.82%
MONTHLY PAYMENT: $409ANNUAL INCOME:$50,000MISCELLANEOUS COMMENTARY:I will refinance when I get higher scores, but for now I will take it since my own credit union denied me.
Shan, what bureau did Cap1 pull? All 3 like for their CC?
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
I am guessing they pulled all three. I already got new inquiry alerts frm TU and EX.