Sorry guys some kind of way I repeated myself and messed that whole thing up 
I just edited it all so it should look cleaner!
@Anonymous wrote:
Mr. "self proclaimed credit expert" may be learning something new as I'm not aware of how I can use my highest score to shop for cars? Is there a secret I am unaware of here?
How can I use my score to get a car loan, as far as I know the lenders always will always pull their own report and won't take one In supply them with?!?!?
( i've tried a few times for kicks
You can go from lender to lender in your quest for the best rate. They may use different scores based on different reports. Also, dealers do shotgun pulls, hitting a button and pulling from numerous lenders. Any combination of scores and reports can be involved, and you'll choose whatever gives you the best deal.
On your iPhone, you may be able to see more information by holding the reload button and choosing the option to view the desktop site.
Not to be argumentative, but I still don't see how that using my "highest score" to shop around? And the example you gave is not really accurate at least going through the dealer it's not accurate going through independent lenders on your own it could be..
Either way It sounds very much like rolling the dice if you're talking about just going out to various lenders and having them pull a different variation of reports from each different lenders HOPING to come across a lender that happens to use whatever combination they need to use for your high score to pop out
And dealers will notoriously mark up the interest-rate several points, normally around 2 to 3% sometimes as much as 7 or 8 points and dealers will literally never show you the interest-rate that the lender actually offered to you because they plan on marking it up several percent in fact that's how the vast majority of dealers make their money is on interest rate kick backs.
I personally think it should be illegal and in fact many government agencies are looking into that now to see if they can pass any laws to prevent it because it's very unfair for a lender to approve you at 4% just to have the dealer tell you you got approved at 7%!
Still though I think what you're saying is possible but not very practical in hoping that lenders happen to use the right system to get your high score IMHO
Dolly I'm not really sure what you meant in your first paragraph so you may want to reword it but I absolutely assure you I'm not doing anything that will lower my score everything that I do raises my score significantly I have been playing this game way too long to know different
They are all soft pulls I would never ever let somebody do a hard pull for a credit line increase. That's the ABC's basic stuff of credit
Dolly I think I know what you're saying but if you're trying to say that you should only have a balance on one card and a zero balance on the rest than that would not be correct and you don't ever want a zero balance on your cards at any time and you want to maintain a very low percentage 3%-5% is the magic number whether it's on each card or a total of all cards combined but you always want to have a small balance on each and every card