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Left the garden, went two for four.

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Super Contributor

Re: Left the garden, went two for four.


@kilroy8 wrote:

TacoFade in Finance Mgr office at car dealership:

 

Finance Mgr: Did you finish the application

Taco: Sure, here ya go.

Finance Mgr: Let's pull your credit file.

 

Finance Mgr:  ...

 

giphy (11).gif


Nope, nope, nope, nope, nope, nope, nope.

 

This taco learned long ago that the reason the Finance Manager at the car dealership pulls your credit 952 times is to shop for the best deal FOR THE DEALERSHIP, not the car buyer.

 

We financed a vehicle in 2016, and had our financing done at a local CU BEFORE visiting dealership.

Earlier in 2019, we purchased a vehicle and wrote a check for it.  Smiley Happy  THAT was a nice feeling.  Smiley Happy

01/01/20 Fico 8: EX 711, EQ 712, TU 724.
01/05/20 Fico 9: EX 678, EQ 691, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 11 of 17
Super Contributor

Re: Left the garden, went two for four.


@tcbofade wrote:

@kilroy8 wrote:

TacoFade in Finance Mgr office at car dealership:

 

Finance Mgr: Did you finish the application

Taco: Sure, here ya go.

Finance Mgr: Let's pull your credit file.

 

Finance Mgr:  ...

 

giphy (11).gif


Nope, nope, nope, nope, nope, nope, nope.

 

This taco learned long ago that the reason the Finance Manager at the car dealership pulls your credit 952 times is to shop for the best deal FOR THE DEALERSHIP, not the car buyer.

 

We financed a vehicle in 2016, and had our financing done at a local CU BEFORE visiting dealership.

Earlier in 2019, we purchased a vehicle and wrote a check for it.  Smiley Happy  THAT was a nice feeling.  Smiley Happy


Ive had the exact opposite feelings when I was in my younger days.




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 12 of 17
Super Contributor

Re: Left the garden, went two for four.

Lol I feel sorry for these UWs that have to look through 20+ accounts worth of credit info to make a decision. I bet you that they see those and just say nope, not doing it. Denied. 😂 

 

Sorry for the denials man but you did score two sweet cards in the end. And I dunno about PenFed but NFCU > DCU and Citi. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 13 of 17
Frequent Contributor

Re: Left the garden, went two for four.

It was the VS app from 2003 that did him in. Smiley LOL

 

Congrats BTW!

08/2019:
12/2019:

~ This is Chess... It ain't Checkers!!! ~


Message 14 of 17
Established Contributor

Re: Left the garden, went two for four.

source.gif

 

 

 


AU




Starting Score: 651
Current Score: 683
Goal Score: 751

Take the myFICO Fitness Challenge
Message 15 of 17
Senior Contributor

Re: Left the garden, went two for four.

Congrats to you, tcbofade! Smiley Happy


Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 16 of 17
Established Contributor

Re: Left the garden, went two for four.

Congrats! And hot **bleep**... what limits. I probably only really have one card on my radar at the moment, but this makes me think I should also think about a BT card at some point (although Chase seems to be sending a lot of those offers lately for my current cards). 

Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 17 of 17
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