Should I Wait or ?

[Dj4Money]

 Update -

 Got letters from SunTrust, Chase and sombody that pulled a real low (596) Experian score that is either Beacon or internal.

  SunTrust pulls EQ  = 641

  Chase pulls TU = 676 

  Compared to both credit unions (Logix and SDFCU) pulling 639 which must be my FICO 08 Auto Enhanced.

  EQ reports quicker than TU; I continued to pay down my cards, 35% ULT before my Capital One cards show 0 and 566 and report in the next week or so.

 I may apply to DCU since they will accept my Uber income straight up and only require three months of POI. Total Credit shows EQ being 656 before my Capital One cards report. 

 Under DCU's Auto Loan estimate, I don't know if 656 is considered Good Credit or Below Average Credit, guess I should find out. 

  With TU being 676 and since Chase didnt deny me (dealer never sent in a loan request...). If I can get TU to remove my repo that will be my best score unti the end of July.

 
 I may apply with Chase as well for an auto loan, but that depends if they will accept my ride share income.

 I still have a week before 30 days so if I apply it will count as one, maybe two points. No biggie.

 Thoughts, concerns, suggestions?

[Dj4Money]

 Another Update -

 Not sure why I am not getting any responses nothing strange going on here.

 Capital One cards reported, UTL is down to 17%

 I got TU to remove my repo, I pulled my TU scores just now from here -

 702 FICO 08

 727 FICO Auto 04 

 731 FICO Auto 08

 That's a healthy bump from 676 pulled my Chase at the start of this month.

 I called the Finance Manager of the dealer who pulled my credit and submitted it to Chase. He said it's still pending; for what exactly I don't know it was pulled June 2nd, it's changed since that data point, a bunch.

 So my choices are to make him pull TU and submit it again or just apply to Chase myself.

 I got a private offer from Ford (again) this time it's $750 (instead of $500) and it's good until 7/9. Ford's current incentives end 7/5 or this weekend.

 I'm going to take a wild guess but I'm going to assume which ever Auto FICO Chase pulls, I will get their best rate which for 72 months is 2.79% with new account and auto payments.

 Or like I said, wait until the end of July, where I will more than likely FINALLY qualify for Ford's best money factor. But as I said, it's a race against deprecation of the Hyundai.

 Beepi initially offered up to $10,200 unseen, now it's down to $9879, still $1,879 higher than Car Max.

 Getting pre-approval from Chase might seem like a logical step, that way I will know what I can spend and weather not to wait or take the deal.

[Anonymous]

That seems like an excellent response to your wait. I dont know if you have looked at it but some Ford vehicles are up for 0% APR as well. Take a look at that. I think you are headed for a perfect buy!

Best of luck!

[Dj4Money]

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@Anonymous wrote:

That seems like an excellent response to your wait. I don't know if you have looked at it but some Ford vehicles are up for 0% APR as well. Take a look at that. I think you are headed for a perfect buy!

Best of luck!

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 Thanks, the math comes close no matter what direction I go.

 1) Dealer only pulls TU, Chase or Capital One will come back with 2.49% (Capital One) or  (3.29% Chase, which I can drop to 2.79% by opening an account or credit card)

 That means I don't have to wait. The only other hurdle is if the dealer will allow me to use a credit card for additional down payment.

 2) The math comes out similar each way -

 a) Trade In Allowance $2,000 + $600 for Fourth of July Weekend + Ford Private Cash $750 (Stackable) = $3350 no special APR so bank financing.

 b) Ford Red Carpet Lease Rebate $3,000 + $750 Private Cash = $3750 but to get Ford's best money factor, I would have to wait until the end of the month

 c) Special Financing of 1.9% for 72 months + $500 Rebate, $1,000 Rebate + $600 Trade-In allowance + Private Cash = $2850

Scenarios A and B will knock out the negative balance, as long as the dealer gives me what Beepi will if the car doesn't sell in 30 days ($9878). However B and C would have to wait until EX deletes the repo and updates my credit report near the end of the month. Incentives will be the same or more or slightly less. Private cash goes until the 9th, new/updated incentives come online likely before the next weekend.

  I just did the math and it's a little rough since I don't know the exact price of the car before TTL, but taking the incentives and traditional bank financing would be about the same if I waited and went though Ford Credit for speecial APR.

  Cause in some cases I can get $1000 + 72 months at 0% ($13.89 per thousand financed, about .43% actually) and stack $750.  Only those cars aren't Race Red which is the color I want and the resulting payment would be the same anyway.

  I emailed back two dealers, if they agree to only pull TU, I'll go ahead and pull the trigger. I may wait until Tues (July 5th) however when banks will be open to ensure I get approval without question.