My fiancee and I are trying to buy our first car and neither of us have purchase a car before. I will list my scores but she literally doesn't even have scores because she has absolutely no credit history, so I added her on my CapitalOne card a couple months ago to start to build some history for her. I am 25 and got my first two CC when I was 18 but both of them were CO (BOA and First Primier) no late payments in the last two years and I only have a $500 CapOne and I am a signer on a CC with my mom (Chase $2K limit) but it only reports on my TU. We are both 25 and self imployed with $4K/month combined (gross) provable income. All that being said here are the specifics.
My scores
TU - 672 (MyFico)
EX - 662
EQ - 647 (MyFico)
2007 Subaru Tribeca
$22,000 sale price
$3,000 Down payment
$21,000 financed (approx)
What I need to know is if anyone knows of any auto lenders who pull TU and what I should expect at a dealership as far as rate and/or approval??
Thanks for the help!
