My current car is slowly taking its toll on the pocket book, so have decided to look into loans or leases. Some information, My EX is Auto 8 is 689, Eq 581, and TU 701. Total Utilization between cards is 16% and make around $45,000 a year.
My Eq is weighed down with $1800 in hospital Bill's, but other than that, 100% on time with all CC payments. This will be my first loan or lease, I started payments through the collector for my debt at $50/mo as wanted to pay it in full come bonus time.
I'm afraid of doing a lease due to hearing places like Toyota financial are CFA's, been working hard on my scores for awhile, wouldn't want them hurt.
Anyone have any advice? Any good auto loan companies that pull from EX and TU? Is leasing worth it if its through Toyota Financial (they will pull all 3 and use the best score to finance me.)
What is a CFA???