On Marty playing chicken with a CU on a new car loan.

[marty56]

I was very nervious about going for a new car loan bing out of DMP since November and having a major derog on my CR.  I was approved by Security Service FCU for a new Lancer for 60 months at 5.4 which is their best posted rate.  I should have left it aloan but I asked if I could keep my old account number.  My idea was that the iNQs didnt lower my score so I thought if the account number stayed the same, I wouldn't see a score drop for the new account.

I know, I know it was a stupid thing to try.  They of course said I would be getting a new account number.

I guess I almost made the FICO Darwin awards list, or as Dave Ramsey says paying my stupid tax.

Message Edited by marty56 on 06-16-2008 06:45 AM

[Anonymous]

It almost never hurts to ask - and if you ask without being embarrassed and some confidence, occassionally it will actually pay off!

[marty56]

Yes you never get anywhere in this world without trying.

[islandchild82]

Congrats on the new car, Marty! That's an awesome interest rate!

[marty56]

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islandchild82 wrote:

Congrats on the new car, Marty! That's an awesome interest rate!

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Thank you.  5 years ago I was scared to even apply for a credit card since I had so much debt and my scores were so low.