Stoooooopid Car !!

[mross1080]

You should try with the window to hold the switch in the up position with the door open and pull up on the window at the same time. Usually a 2 person operation. I work at a shop and we end up rolling down windows that are broken at least once every couple of weeks and this works most of the time. When you get it up just put a peice of tape on it to prevent it from falling. Good Luck with your new car search.

[Anonymous]

Hi mross.  Thank you for the window tip.  I had actually done that exact thing and managed to get it from nearly 1/2 way down to an inch from the top.  Still hosed if it rains, but that's all it would budge.  It was making a noise before but now there's nothing when I push the up button for that window.  All of the other windows on the car work without problem, so it's not the motor.  I guess it's that assembly thing inside the door.  *sigh*

[Anonymous]

I've found a 2009 Tuscon that is $21K.. only has 7K miles on it so lots of warranty left.  It was a trade in at a Ford dealership.  Can anyone tell me what CR they pull and how would collection from 2004 that is disputed affect chances of approval?  It's a good 50 miles from home... don't want to drive out there for nothing.  Does taking your own CR before they pull it help at all?  I just pulled EQ.

[maynie]

Usually what they do at the dealer is send your info to a lot of banks and wait to see who will approve you and at what rate. You shouldn't have a problem being approved at about 8 or 9% with that score depending on what else is on your report. A lot of dealers use an auto enhanced score. So if you had a previous auto loan with good history your score will be higher and lower if you have bad payment history with a previous auto loan. I hope that answers your question.

BTW with a $21000 loan you can expect to pay 400-500 per month on your note depending on if you get a warranty (you should) and gap insurance (you should) and if you have money to put down. And not to mention gas for such a big car. And your insurance will go up as well. Make sure that is something you can afford before you go because once you drive that car you will probably be determined to buy it. IMHO with the expenses you laid out over the next few months I wouldn't buy a car for more than $10000. The car note will be in the $200 range and you'll be able to have more breathing room in your budget for unexpected expenses. Good luck with your car purchase!

[Jazzzy]

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@maynie wrote:

Usually what they do at the dealer is send your info to a lot of banks and wait to see who will approve you and at what rate. You shouldn't have a problem being approved at about 8 or 9% with that score depending on what else is on your report. A lot of dealers use an auto enhanced score. So if you had a previous auto loan with good history your score will be higher and lower if you have bad payment history with a previous auto loan. I hope that answers your question.

BTW with a $21000 loan you can expect to pay 400-500 per month on your note depending on if you get a warranty (you should) and gap insurance (you should) and if you have money to put down. And not to mention gas for such a big car. And your insurance will go up as well. Make sure that is something you can afford before you go because once you drive that car you will probably be determined to buy it. IMHO with the expenses you laid out over the next few months I wouldn't buy a car for more than $10000. The car note will be in the $200 range and you'll be able to have more breathing room in your budget for unexpected expenses. Good luck with your car purchase!

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+1

I would be very careful. I don't know what your income is, but this is quite a commitment. The more you pay now for car, the less you will be able to buy for house. they will take an auto payment into account when you apply for a mortgage, and it will lower the amount you can spend on a home.

I would much rather have my money in a house than in a vehicle.

I agree with the under $10,000 scenario in your situation, and make sure it is economical on gas. It will cost less to insure and less to drive. When you sit down to apply for a mortgage, you will be grateful that you made a decision to by a less expensive car. You've got a lot of years ahead of you to buy an expensive car if you want to. And...by then...you may not want to.

[Anonymous]

LynetteM, maynie, and everyone who has replied,

Thank you all VERY much for the replies and advice.  Here's where I'm at.  Need, according to one mechanic that I trust, $3.5K worth of repairs on a car that only Blue Books for $2K (if you are lucky).  The car is a 2002 and is not paid for.  I could have paid it off a long time ago but I kept making a "little" over the minimum payments on it so I could re-build the positive payment history.  From Mar 05 to Mar 06, I had 30 day lates thanks to my darling ex-husband. My daughter needed expensive dental work done, he wouldn't help me.  Not only did he not help, in that same month (Mar 05) our divorce was FINALLY final.  The back support the court ordered him to pay was presented to the judge and given to me in the form of personal checks from him.   You guessed it, I deposited them, paid my bills, and all of his checks bounced.  Yep, so ALL of my payments bounced too.  Explains why he is my ex.  In August, I took him back to court on my own.  Never did get all of the money, but it took me a long time to recover. To get my daughter's care, I refinanced my car and that is why I still owe $1,700 on it (could pay it off I wanted to).  This loan is with NFCU.  I just paid off my closed (not charged off) credit card I had with them.  I don't bank with them anymore because they upset me in the past.  When I was going through all of my divorce crap, they went in and took a car payment (it was 5 days past due date)...as a result, my rent check bounced and I had to pay those fees and get a ridiculous payday loan (which I paid in full 3 weeks later).  I immediately changed my direct deposit so they couldn't do that agin.  I now bank with USAA and have my renters and auto insurance through USAA as well.  I would try to get another car loan at some point with NFCU but I don't know how'd they respond to that.  I wonder if given the four years since refinancing of perfect payment history, if NFCU would remove those lates.... doubt it.  Half tempted to go talk to a loan officer at NFCU at some point in the future.

Since all of the crap my ex put me through, I've been promoted three times and just got a fourth promotion to take affect in a month or so.  I also completed my MBA with honors and managed to save a few thousand dollars.  I will make about $78K in a month or so.   Point is, I don't let anything hold me down for too long or make excuses.  It is what it is and I just have to regroup and rework things as they happen. 

I really, really, really didn't want a car payment when I go to buy a house in a year or so because I want the best DTI possible.  At the same time, I have a real problem paying nealry $4K in repairs on a car that isn't worth that much in top condition. 

So, since my car window won't go up and it's supposed to rain Tuesday and most of the week, I am going to take a vacation day tomorrow and go to another mechanic to get the window fixed and see what he tells me is wrong with my car and what he would charge to fix it.  Maybe it will be a lot less.  I would be happy with $2K for all. 

Honestly, I wanted a new car a LONG time ago, but I didn't because I wanted a house later and wanted to build a savings (and I have). 

So there's the drudgery of my past.  I've moved on but the credit report seems to constantly remind me of it.  UGH! 

On a happier note, Happy Mother's Day to all of the moms on the forum!  I hope you all have a wonderful, happy, and relaxing day!

[Lel]

Folks:

Two messages were deleted because they were off-topic and threatened to take this thread on an undesirable tangent.  Please stay on topic.  Thank you.

[Anonymous]

Lel,

Don't know what those two messages were, but thanks for watching things. 

IRT to the car, I took my daughter and I out for Mother's Day dinner.  When doing so, I idiotically forgot about the window problem and pushed the button and the car window went all the way down.  I managed to get it about have way up.  A passerby gentleman tried to help but he couldn't get the window up any further either (thank you sir for trying to help... I really appreciate it).  So, I went to Home Depot and bought some plastic, a razor, and some duct tape and taped up the window.  We then went to dinner.  I took it down while I drove home so I could see and taped it back up when I got home. 

I'll let you know what mechanic #2 tells me about the car.  My primary focus is to get that window fixed tomorrow and to get an estimate for everything else. My daughter has injured her foot and is on crutches and we live up a hill so I need to get her to/from school anyway... and make sure she has a pass to use the elevator while she is on crutches.  When it rains, it pours, huh?  Let's just hope it doesn't pour until my window is fixed!    Trying to remain positive here.

Thanks everyone for listening, for the advice, and for helping me think things through.  It means a lot.

[Anonymous]

^ that was supposed to say that I managed to get the window about "half" way up.  I wish this thing had an edit function.

[Jazzzy]

Hi...and happy Mothers Day to you as well.

The forum does have an Edit function. In the top right-hand corner after you post, there is an Options menu. One of the items is Edit.

Congratulations on your new job. I just graduated from grad school myself on Friday. I can't take board exams until late in the summer, so no job for me yet. I'm getting anxious.

You certainly have the income to support the newish vehicle you talked about. It will affect your DTI when you shop for a mortgage, but only you can decide.