Hi all!
DW and I were going to wait till July to buy a used truck. We have plans to kill $5500 in CC debt first, which will put us at 29% util. Also I have 2 charge offs set to fall off in May and June. But here's the problem, I was recently surfing through numerous cars and trucks, and found my dream truck for a price that I must say is phenomenal! I am wondering if I should just pull the trigger. My fico score is 677, DW's is 661. The truck is certified with special financing at 1.9%, I believe through Ally??? I am only questioning this because it would give me the truck I want at the perfect budget, under $400 a month. I'm very tempted to try, but if I am not happy with terms, I would only be doing a little damage to my reports by applying. Thanks for any advice! So anxious! Hows Ally these days?
