Navy Federal Auto loan

[Anonymous]

Should I accept an offer of 11,700 @ 15.79 for 48 months or wait until my score increase and reapply for the auto loan. I am not in a hurry.

[credit-hunter]

if your not in need of a vehicle wait it out they offer much better rates. 

[Shogun]

+1 on that.  If you can wait a bit, and are able to improve your CR, you'll be better off.

[Anonymous]

I have one collection report for $122 that report because I refused to pay a red light ticket that I was of no fault. My scores right now is 608 Experian

[jim44]

Definitely wait.  I know that FNCU offers great rates with average credit.  A lot depends on year of the car..etc.  If you can wait, work to improve your score and save up or a nice down payment.        RLT.... here in FL if you don't pay, your license is suspended.

[Luscher]

pay your collection and try to get it removed. 122 isn't too much money and you should see a huge score bump from it

[Anonymous]

I call the collection agency and ask them to assist me in removing the activity and they acted as if I murdered someone and it pissed me off and I told them to go f@xk themselves. In long island, right turn is allowed on red but you have to come to a full stop before making the right turn. Well as you can guess I slowed down and then take the turn. I never received the ticket because they mailed it to an old address on my registration. Fast forward, I pull my report 3 months ago and I saw it on there. In any case, my luck is such that I had no baddies on my report after my bk was discharge in 12/2010 but Alliance one. I currently have a Cap1 Platinum with CL$2000 for about 2 years since bk and 2 secure card with $500 each for about 14 months. The First with USAA and the other with Bank of America. This month even with the colection activity and a max out Cap1 card and 28k income. I got approved for Barclays Mastercard $500 limit, Navy Fed CashRewards $1000 limit, Navy Fed GoRewards$4000 limit, $Capital One Quicksilver $3000 limit. Navy Fed also approve $7500 NavCheck. USAA and Bank of America did not graduate my secure card and I was decline for Apple Barclays, USAA Promise, and Penfed Amex. USAA credit monitering have my scores as EX=583, EQ=608 and TU 601. Before this month new account I only had about 3 inquires on my report. Now I am not sure how to convice these aholes to remove the collection activity on my reports. Actually, I did a recon with Bank of America and they rep told to pull my TU report cause the Colllection activity is dupilcated lowering my scores beyond resaonable sanity. I was nice and polite explaining what happen and that i would glady pay the ticket and fines if they would remove it from my report but Alliance one was like the judge and the jury on my ass. I did pay it a couple days ago I am now left with a bad taste in my mouth esp how unfortunate I am for this to happen to me. Guys I will appreciate any follow up advice on this issue. I will wait and reapply with navy fed in six months.