Need Advice

[Anonymous]

I am needing a new Jeep like NOW because my transmission is going out in my 2012 Honda.
I don't know if I should apply with my husband or just me. I have 1 late from 4 years ago that is still showing and 1 collection for $288 from 5 years ago. My husband has a really bad credit report. We both refinanced our heloc for 70k so we don't have any car payments now, that was back in Aug 2016. My question is do I apply with or without him.

[Appleman]

Sounds like you really want a Jeep but NEED a car.

Do you need your husbands income to qualify? If not and he has really bad credit apply yourself.

[Creditplz]

Honda had a 5 year drivetrain warranty?? Or so I thought?? Are you still covered?

[Anonymous]

I use ot on my mail route and the warranty is up. And yes I need a Jeep or an old Army tank. Lol

[Anonymous]

Spend a few bucks get your and your husbands actual FICO scores.  Post that information with your individual and combined incomes and DTI ratios and we can probably help.  Short of having that information there really isn't anything to go by to provide a suggestion.  Generally most need the income of both spouses and as long as one has good credit the deal can get done.  I always suggest the main credit unions here DCU, Penfed and NFCU for preapprovals before  you go shopping for a car.

[Anonymous]

My scores are Equifax 707
Transunion. 698
Experian 690
My gross income is $4000 a month (right now) after June 30th it will be around $5500 a month
My credit card payments are $237 a month all but 1 are under 20% utilization My Penfed card is 45% util.
I made the mistake of letting US Bank run my credit for a Heloc and for some reason I ended up with 8 inquiries just for the Heloc so now I have 12 inquiries on Equifax 7 on TU and 6 on Ex

I don't have a mortgage but my Heloc is $348 a month with a $68500 Balance.
My husband's scores are Equifax 611 TU 618 and Ex 606
2 Inquiries
1 unpaid collection for $6983
I added him to 2 of my cc to help with his scores so he has revolving credit with low util and current on payments
But he is self employed and is usually paid in cash his monthly income is around $4000

[Anonymous]

I think you'll be fine.  Since your already with Penfed that is who I would work with.