@doggiepants wrote:The newest thread I found was 2011, and one poster said Equifax. Does anyone have any recent experience getting financing through Kia (which I believe goes through Hyundai's financing?)? Who did they pull? If you don't mind, would you post your scores and the loan rates you got through them? (Loan amount, APR, monthly payment).
I also looked through the auto loan approval thread, but after page 17 I kind of gave up, lol.
I was recently denied an auto loan through my credit union because I discovered they pull TU, and I have an open collection from 2010 that was erroniously created by my old credit union 11 months after I paid the bill. I've been battling that nightmare for the past three years, and last August they finally sent me a letter with a kind of weird correction, and said they would get it removed from all three credit agencies. Surprise, surprise- they didn't. It still lives on TU, and was not changed on Experian the way they said it would be. Shame on me for not following through and assuming they would do what they said they would before I applied for the car loan. But seriously- it's just my luck that not only would I get a collection I never deserved in the first place, but that, after planning for this for 8 months to make sure I wouldn't have any problems, when I do finally apply for a car loan, they pull the one credit agency that collection hasn't been removed from ! SMH!!
Anyway, any info on Kia would be great. If they pull from Equifax that would be spectacular. :-) (crossing my fingers and toes..... and my dog's fingers and toes too)
Oh, and BTW: I finally filed a complaint with the BBB tonight against that credit union. I should have done it a loooooong time ago. Ironically I have gotten the very best advice from the collection agency who has my erroneous account, who suggested the BBB complaint as part of my next plan of attack. They have been pretty amazing. ::go figure::
Have you checked the credit pulls database (http://creditboards.com)? I think it really depends on what state you live in. I checked the credit pulls database and only three reports came up. 1 from Chicago which pulled transunion and one each from Texas and South Carolina who both pulled Equifax.
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
@doggiepants wrote:The newest thread I found was 2011, and one poster said Equifax. Does anyone have any recent experience getting financing through Kia (which I believe goes through Hyundai's financing?)? Who did they pull? If you don't mind, would you post your scores and the loan rates you got through them? (Loan amount, APR, monthly payment).
I also looked through the auto loan approval thread, but after page 17 I kind of gave up, lol.
I was recently denied an auto loan through my credit union because I discovered they pull TU, and I have an open collection from 2010 that was erroniously created by my old credit union 11 months after I paid the bill. I've been battling that nightmare for the past three years, and last August they finally sent me a letter with a kind of weird correction, and said they would get it removed from all three credit agencies. Surprise, surprise- they didn't. It still lives on TU, and was not changed on Experian the way they said it would be. Shame on me for not following through and assuming they would do what they said they would before I applied for the car loan. But seriously- it's just my luck that not only would I get a collection I never deserved in the first place, but that, after planning for this for 8 months to make sure I wouldn't have any problems, when I do finally apply for a car loan, they pull the one credit agency that collection hasn't been removed from ! SMH!!
Anyway, any info on Kia would be great. If they pull from Equifax that would be spectacular. :-) (crossing my fingers and toes..... and my dog's fingers and toes too)
Oh, and BTW: I finally filed a complaint with the BBB tonight against that credit union. I should have done it a loooooong time ago. Ironically I have gotten the very best advice from the collection agency who has my erroneous account, who suggested the BBB complaint as part of my next plan of attack. They have been pretty amazing. ::go figure::
Another resource is Who Gave Me Credit (http://www.whogavemecredit.com). Good luck
