accuracy of thos site

[Anonymous]

We all pay monthly for this site right? Well i financed my first car after most credit problems removed i have paid lexington law for 4 months and i am more than pleased with them!! I have 3 things on my credit which are 2 credit cards gamestop and gas card and consolidated student loans. I financed my first brand new truck with today priced at $51000.00 I had to have a co signer due to not that much active credit not bc of my score bc my TU fico was a 689! Where it's telling me a 609 that is a 80 point difference for the better though ! Hopefully can purchase my house i am wanting soon

[Anonymous]

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@Anonymous wrote:
We all pay monthly for this site right? Well i financed my first car after most credit problems removed i have paid lexington law for 4 months and i am more than pleased with them!! I have 3 things on my credit which are 2 credit cards gamestop and gas card and consolidated student loans. I financed my first brand new truck with today priced at $51000.00 I had to have a co signer due to not that much active credit not bc of my score bc my TU fico was a 689! Where it's telling me a 609 that is a 80 point difference for the better though ! Hopefully can purchase my house i am wanting soon

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I'm not sure exactly who is telling you your TU score is 689 and who is telling you 609.  Keep in mind auto finance companies use an auto enhanced score that can be lower or higher than what MYFico provides

[Anonymous]

well the dealership showed me a fico score of 689 I saw the the paper and it said my old fico TU 609 new fico TU 689 I didnt see anything that said auto enhanced or anything just explained what a fico score was as well on that sheet of paper but nothing said auto enhanced my cosigners was dead on the same as the fico she had when she financed the house. This website says it is a 609...which is fine bc id rather it be higher than lower...

[Dustink]

Is that $51k or $15k?

[Anonymous]

51k and sorry for the title my phone has a brain of its own *this not thos haha

[Dustink]

Ouch,..why spend $50+k on a vehicle when you are looking to buy a home?

[Anonymous]

Because i can afford to my company actually pays my vehicle payment in an allowance but the truck is in my name.

[Dustink]

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@Anonymous wrote:
Because i can afford to my company actually pays my vehicle payment in an allowance but the truck is in my name.

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The vehicle will be calculated into your DTI because it is on your credit report.