Hello all,
I am new here just found the site. I am currently looking at getting a new F150 financed at about $33000. My questions are this, what credit reporting agency do they use, I have heard Experian. If so My current Experian score is 704. I have NO delinquncies on my credit at all, have had car loans since 2004 and again have a perfect payment history, so I guess my "enhanced score" would be quite a bit higher. My wifes income is at about $90k a year, I will be employed in 2 weeks with another $37k a year income, I will have proof of employment next week but I fear it will be too late for the current incentives(they end 10/31), does ford require proof of employment? I have no intention of lying, just have no proof until next week late. My wifes Experian score is at 685(Would be higher but she is a victim of ID theft). Should I shoot for fianancing through Ford? I have tried my credit union but they hastled me and would only offer me $30k at 3.75% for 72 months due to a new 3rd party underwriter and using equifax which has some problems with my wife's credit due to the ID theft.
