I see other people have similar posts, but didn't want to rain on their parade...
I am curious how to approach getting an auto loan. I had one that was paid off 42 months early with Chase Custom, but I got it back before credit tightened up (6/07). I was never late. If I were to apply with them or anyone else again, how does the Auto Enhanced score effect getting a loan? I get confused between Fico and the fake scores, but I'm EX 563/EQ 616/TU 588. Will my perfect history on 1 auto loan put me over the top? I'm also self-employed and am wondering if that hurts? I have tax returns showing $90k or so in gross income the last two years, and could show them similar deposits for this year. Is that enough?
Also, I'd be interested in any stories of how people got auto loans at the dealership with less than perfect credit. I had a very comfortable experience when I bought my car and don't feel ripped off at all. They made we buy gap insurance which I would have anyway. They just wouldn't let me negotiate any on the internet price of the car.
