Just wanted to throw this out there to the world. My husband has less than steller credit and a repo from 2015 (1 and a half years before we met) and a few collections we have been working on paying off (10k balances). We have worked on his credit together for the last year and it has finally hit the low 600's from the mid 400's. *things he learned - Reponsibility, money management, and how to say no*. We decided to try for a new car for him (his income is 100k and mine is 120k). I have leased with MBFS several times and currently have a 2020 GLE lease with them. I have had two cars in just my name for going on 2.5 years now really wanted to work towards him being on the loan/lease.
They pull Transunion where his score is 617 and mine is a 750. I went as primary and him as secondary and it went pending tier 2 immediately and with in 2 minutes went to approved! I was previously always tier 1 when apping by my self so I assume the T2 call was due to his credit. Was rather shocked and excited as this gives him an opportunity to reestablish with some auto loan history.
BK discharged 10/7/2014
Current Scores MyFico TU: 753 EQ: 773 EX: 668
Cards: NFCU CashRewards 48000 | NFCU Flagship 32000| Huntington Voice 18,000 | Citi AA 33,000 |BB&T 4500 | Cap1 V 33500 | Sony 7000 | TVA Employee CU 10,000 | WF Propel 15000 | Sync BananaR Visa 10,000 | DCU Visa 15000 | Overstock 11800 | Sync Lowes 25000 | Sync AE 7000 | Sync Amazon 10,000 | Sync Belk 10000 | NFCU CLOC 15,000 | Citi Costco 9,700 | First Bank 8000 | Bestbuy Visa 10,000 | HomeDepot 5000 | BBVA CP 10000 | Macy's Store 11,300 |
Installments WF Mortgage $257k | Y-12 FCU HELOC 16,000 | Mercedes-Benz Lease | Mercedes-Benz Lease | DCU Auto Loan
AAoA 3 yrs 7 M
TONS of Inquires :-p
