scalum98

Ditto Marv's advice. Visit edmunds.com and get some starting point numbers. Be sure, however, to read the Forums/Discussion Boards at edmunds.com. For nearly every make and model of vehicle, there is a "Prices Paid and Buying Experience" thread. Many times, people will list the current dealer incentives and other financing specials. Good luck!

I believe the 2007 models are rolling out in September/October. Honda currently has $750 dealer cash for CRVs through July 5. Now's a good time to buy. (Not sure if the dealer incentive will come back in July. Instead, there may be special financing). I think $21,742 is a pretty good price. It's on par with what people are reporting on the Edmunds.com website. [You might want to take a look at the Honda CR-V forum where they have a "prices paid and buying experience" thread.] In what region of the country are you located? I'm in the Washington, DC metro area and my local dealer is selling the 2006 CRV SE 4WD for $22,000 which includes freight (but not TTL). The SE comes with more equipement than the EX: (p)leather, heated seats/mirrors, painted bumpers, and a color matching tire cover. If you're willing to kick in another 4k, you can get a 2006 Pilot 4WD EX-L (leather) for $28,00 OTD. Yeah, more gas, but more room (3rd row seats, ableit not stadium size).

I have multiple student loans from Sallie Mae that was transferred to another another lender. The loan was opened 4/98. The status of the student loan prior was "90 days late" before it was transferred to closed status. It is still showing up on my credit report as "90 days late". TU says that this will fall off on 5/06, but EX and EQ doesn't list a fall off, should it fall off the same date for all of the CRA's? Thanks

Congrats!

Lender: Navy Federal Credit Union (NFCU) Lender Website: www.navyfcu.org Your State: VA CRA(s) Pulled: EQ Your Score(s) per CRA(s) Pulled: 675 New or Used Vehicle: Used (refinance of 2001 Honda Accord) Approved Amount: $5412 Approved Term: 30 months Approved APR: 4.9% Monthly Payment: $192.70 Additional Pertinent Comments: Original loan was 8.25% from AHFC ($331 monthly payment). I'll continue paying $331 to NFCU in order to see the loan go away faster!

Solrac, the tone of your post was really negative and judgmental. Unless you have some helpful information in regards to the OP's question, perhaps you should move on. (I mean no disrespect, but I think posts like yours discourage people from coming to CB and asking questions. No need to start a discussion on the merits of payday loans, as there are plenty out there.) *Edited for spelling.

CONGRATS!!!

NO FAIR! Argh. My plus score is 592, compared to my 626 FICO, which seems so much higher. I wonder why they'd pull a FAKO? As Peekaboo noted in his/her post, the EX Plus score is not exactly a FAKO. Although it may not be a FICO score in the classic sense, it is an actual scoring model used by lenders. Taken from the Credit Expert site: "To many consumers, a credit score is a mysterious number. Where does the score come from? What does it mean? How can it be improved? Until now, the answers to these questions were overly complex and often hard to understand. That´s why Experian created the easy-to-understand PLUS Score. Consumers can now actually see how changes to their credit habits can directly influence their credit rating, helping them map out a plan to attain the best possible interest rates and beneficial loan terms over time. The Experian-developed PLUS Score is easier to understand and use than any other credit score on the market. It´s also the most up-to-date model, reflecting recent changes in consumer spending habits. The PLUS Score formula was developed using the latest data available on U.S. consumer habits, so consumers will get the most current look at how their credit compares to today´s average U.S. consumer. As a credit-reporting agency with extensive consumer data and sophisticated analytic resources, Experian gives consumers the confidence they need to improve their credit. The company´s expertise in credit scoring dates back more than 30 years. In fact, an Experian company was the very first to offer credit scores based on credit agency data used to assess consumer credit risk, which was made available to all major credit reporting agencies. The PLUS Score is derived from information based on a credit report, using a similar formula to those used by lenders. It can range from 330 to 830, with a higher score indicating a lower credit risk. The PLUS Score gives consumers the security of knowing how they rate regardless of who they turn to for their borrowing needs."

Congrats!!!!

My 2 cents.... Although you can get the EX report through other sources, Experian's Credit Expert is good for something: the EX Plus score. Some lenders may well use Experian's EX Plus as their scoring product. It's another number worth knowing if you don't mind the annual/monthly charge.

NFCU pulls EQ and there is no cash advance fee. Also same fixed APR for purchases and cash advances. Good luck!

No, it all depends on who you talk to. BK has its purpose. So does CCCS. You'd be surprised that a lot of creditors (Amex, MBNA, Wells Fargo, GEMB, WFNNB) actually appreciate the fact that consumers make a committment to "stick with it" and eventually PIF (well, not taking into account all the extra money that would have resulted from the waived additional late/over the limit fees). I acknowledge that CCCS is not for some and that some CCCS programs are bad. BUT, to flatout conclude that it's "worse than BK" is ridiculous. In reply to the OP: Yes, you can quit a CCCS. The only "penalty" that results is a revision to the pre-CCCS (usually universal default) interest rates and a prohibition on re-entry into another CCCS program with that creditor. *edited for spelling* hegmony is correct in my opinion, it IS worse then BK! Of course Amex, MBNA, Wells Fargo, GEMB, WFNNB "appreciate" a consumer entering into a "managed BK" which is what a CCCS notation is, managed BK without any relief of debt! It's a bad deal and should be avoided in ALL situations! When I say the creditors "show appreciation," what I mean is that they allow former CCCS participants to either reopen their accounts or to open new TLs once the consumer is done with the CCCS program or has voluntarily dropped from the program and finished paying their debt. Again, it's a really broad statement to say "CCCS should be avoided in ALL situations." The reduction in interest rates can assist consumers in paying debt without the added burden of tacked on late/over the limit fees. Look everyone is entitled to an opinion and I'm not trying to be mean or squash your view, but I'll tell you after having dealt with and managed three family members and two friends through the CCCS process the entire business plan is a complete and utter scam. The model was developed 23 years ago by a retired Bank executive who saw a way to decrease BK's. The entire industry is financed by, was developed by, and is beholden to the credit card industry and their dtock holders on the leash of the lobbyists. I mean nothing personal and I'm glad you were able to gain what you felt was a break by these sharks, but as long as you keep your eyes open and your interests intact you will find that this is a win win for the CC companies and no one else. Point taken. Good info for the OP and all other interested folks. I've made all the points I wanted to make, so I'm hanging my hat on this one. (BTW, my SO said, "You're arguing with CramIt! No!" He's used your advice for his collections and to remove other baddies. Both he and I appreciate all the infor, goodies and tricks you've shared. Thanks.)

Actually, I'd wait maybe 6 mos. to a year down the road to apply for a second card from NFCU. Who knows, you may get a larger CL, having demonstrated that you can make timely payments. Plus, the addition of the first NFCU TL will bump up the OP's score. Just my two cents... (BTW, congrats changochulo on both cards. I applied for my NFCU in January after reading your posts). Nice, did you get approved? Yes, I got approved for a Visa Platinum. The rate sucks because my EQ score was low (640 or so) and my most recent baddy was a ton of late CC payments in 2003 and one late car payment in 2004. But, my income qualified me for my highest TL ever...and I mean EVER...I almost had a heart attack (15k). Thanks to the NFCU visa, I was able to get my other creditors to raise my lines. Thanks for your original posts!!! I'm waiting until next January to apply for the nRewards mastercard.

it is, simply put, worse than BK13 and often worse than BK7 in terms of scoring and rebuilding. The only benefit of CCCS is for the creditor. how do creditors show appreciation?????? Again, you're making a very broad statement. There are plenty of people on this board who can attest to the fact that CCCS is not worst than BK13 and BK7. Sure, there are some creditors who may equate the 2 (i.e. Citibank has blacklisted me indefinitely for my participation in the CCCS). But, as I said before, there are pros and cons to CCCS, just like pros and cons to BK. Works for some, doesn't for others. YMMV....YMMV...YMMV... I can appreciate giving the OP both sides. But, you're totally off-base when you say CCCS is worse than BK. Like I originally said, it all depends on who you ask. I think it's possible to find some creditors or mortgage lenders out there who think, "Jane Doe filed bankruptcy and walked away from her debts. John Doe, on the otherhand, paid in full with a little help." [NOTE: I'm not pulling a "muliplier" (apologies to *edit* multiplier for using your name that way, but you, Hegemony, Shawnee, NoBull and others will understand what I mean). I'm not looking to get flamed. It's not my personal belief that BK filers are "walking away from their debt." All I'm saying is that is possible for some people to interpret BK that way....Just like you say it's possible for some people to view CCCS as "managed BK."]

snicksts, I suggest you take a look at this thread which discusses debt management programs issued through/by various CCCS organizations. http://creditboards.com/forums/index.php?s...opic=158333&hl= As the thread explains, a consumer can voluntarily drop out of the CCCS program before it naturally ends-- in doing so, they can enjoy the reduced interest rates and also get the "managed by CCCS" notation removed from their reports. Hegemony and CramItCCAs are both entitled to their opinion. But just keep in mind that there are plenty of people out there (myself included) who have participated in CCCS programs and walked away from it with a very CLEAN, HEALTHY and POSITIVE credit profile. As everyone here knows and constantly reminds us, YMMV (your mileage may vary). Best of luck to your friend!!!