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Auto Loan help PLEASE!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Auto Loan help PLEASE!

Ok, so this is definitely NOT my area of expertise and I am not at all comfortable dealing with car salesmen, loans, etc.

I see MyFico offers auto enhanced scores but when I chose my plan I noticed that the only information I originally entered when I made an account was name and address. How can they pull my reports without a ss# and dob? 

 

Fresh out of Bk7 January 2nd of this year. I only have a Self Lender, Credit One $700 and Cap1 $2000 (this is not showing on reports yet). 

My stomach has been in knots because I do not know how to proceed. My 2006 VW has died and will cost so much to get fixed (thousands) that it's not worth it.

I turned in a leased VW last March (lease was up) but have 4 late payments now a year old, which were IIB but VW has YET to update stating bankruptcy at all on any of that account. What should I do about that? Leave it or get them to acknowledge IIB? Is that hurting or helping? 

 

I can handle dealings in credit cards but not this at all!!!!
 

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019


FICO 8 SCORES: 04-03-2019600 TU610 EX627 EQ
2 REPLIES 2
Established Member

Re: Auto Loan help PLEASE!

The one thing I would do is go to Capital One and get a preapproval for a car loan.  I did that and got a good rate and just bought a new/used car last week.  My rate was 4.01%, but will vary based on different results.  Good Luck...let me know how that works. 


 

Message 2 of 3
Frequent Contributor

Re: Auto Loan help PLEASE!

That's a negative. They (Cap1) said no. Were iib so was very surprised they even gave me a $2000 cc.

 


@HawkofFreedom wrote:

The one thing I would do is go to Capital One and get a preapproval for a car loan.  I did that and got a good rate and just bought a new/used car last week.  My rate was 4.01%, but will vary based on different results.  Good Luck...let me know how that works. 


 


 

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019


FICO 8 SCORES: 04-03-2019600 TU610 EX627 EQ
Message 3 of 3