area123

BS, a loaf of bread, gallon of gas, new Corvette, etc, etc cost the same essentially anywhere in the US. The only difference is housing. And even if your house costs 2x more than mine, you should only need at most an extra $10k per year to cover the payments & insurance. So I'd like to know where this huge cost of living difference comes from becasue it's not coming from food & gas or autos??

Then the question is what ltv are they looking for? I'd like to know as well. Seems like ltv would be the same for everyone on a new vehicle, as long as you didn't get taken by the dealer & are not putting anything down.

Is it worth the money if I only have 5 inq on TU and 4 on EQ? I am still in the 7 day trial of CCT and don't really want to pay them $30/month, but I can't use TC or the Amex CS. Can I get more than 1 soft/day from CCT? Don't really want to pay for 6 months to delte 5 inq... thanks.

I went ahead and applied for CCCU. THey have 2.9 for 18 months w/ no fees, not a bad deal. Haven't heard anything yet but probalby will Friday.

Well, when I applied for chase I think they pulled TU which was split at one time and my bk7 (now gone off all three) didn't show up on TU when I got their rewards card w/ a great limit. When they finally saw it about 2 years later somehow, they raised my rate. My other rates are probalby a little high too becasue all my accounts at least had the bk7 on there when I got them, even though it was 8 years old when i got many of them. What is ttt? How about CCCU or penfed, do they have any descent bt offers? I'll check on my own too but thought I'd get some recommendations here. thanks Oh, btw, my chase balance was about 8k with a great rate, then they saw the bk and raised it to 30% w/o warning me at all. I called them and they said they told me about it, anyway, I 've since paid it down to less than $1k in about 6 months but want to just transfer the rest along with my 17% wamu and 13% citi amex.

I currently have about $4500 balances on 3 cards with an average of about 19%, Chase (sucks at 30% for some reason they screwed me), citi amex 13.5%, WAMU 17.74%. My rates just went up on two of them as BT offer expired. I have no good options for BT w/ my current cards, CAP1 has 5.99% w/ 3% fee or 0% for 6 months w/ 3% fee, 2nd WAMU card has 1.99% w/ $150 fee (yuck) and probably won't transfer other WAMU card. I alraedy have 4 citi cards and 1 already has 0% for 1 year on it, can't use citi anyway cause 1 high balance is on CITI. My credit union has their standard 7% no fee offer w/ unlimited BT amount, that is an option and would save me about $40/month in interest which is attractive. But I wonder if there is a better option w/o using CITI's 0% for 1 year. i don't mind a promo rate but would like at least 1 year. I also don't mind a fee as long as it's not WAMU's stupid $150 fee, I won't pay them anything for BT. Any suggestions are appreciated. I don't mind another app even though I just did an app spree 8 months ago. I can handle it, my scores are about 750ish all three, no negs, 22% util.

So basically,if you are only looking for b* then TC is just as good, and cheaper since CCT merges all 5 into 1 soft just like you'd get from TC. I signed up for CCt also but will be cancelling immediately. Neither score is right anyway.

Which is exactly what I did, unless the 30 day free trial does not give Fico. I signed up for scorewatch and got my "FICO® score & credit report from Equifax"

Mrliberty is right. You wont know how much they are different until you pull myfico. My CCT score is crazy junk and depending on the report will be anywhere from +or - 20 to 50 points away from ficos. Of course, YMMV, and it might not hold true for you. Ok, thanks. I pulled a fico for equifax with their free 30 day trial and it is 737, my fako from CCT is 748 so not too bad, EQ is my worst w/ 5 recent inquiries. My CCT scores for TU and EXP are both 770 so I'm hoping they are as well only about 10 pts off. I'll check PFICO when they update, I didn't realize that was a real fico. I guess my only question now is about recently opened accounts. That is the primary reason my score is low. If I close some fo the recently opened accounts (some small ones like Juniper $500 & WAMU for $2500) would that help my recently opened situation or has that damage alraedy been doen? thanks.

Yes, I know what Fako is but I've seen in the past that my scores were closer to some fakos than others. I just haven't been around for a while so thought I'd ask about this CCT as they seem pretty new.

My credit union droped their rates a few weeks ago to 4.24 for 36 months and 4.99 for 60 months. Maybe I should wait to refi my 22k 6.24% with them in case they drop another half point. Is that a special PenFed is running or do you think auto rates are tending down a little since the fed rate cuts? If I check bankrate their data does not seem to indicate any downtrend in general, but I haven't seen anyplace to research trends in credit union rates as they are usually better. thanks.

Trying to decide if I should verify my scores. I just signed up for the 7 day free trial of CCT and my scores were unbelievably high. I was hovering at 685-700 for about 2 years and now all of the sudden my scores are all in the 750 range on CCT. I did pay off a few thousand in credit card debt. My bk7 is due to fall off in May but maybe it has already come off on CCT for some reason. I guess I need to check that and then double check a real report and score from myfico??? thank for any info. I'd rather not spend for a real fico if the scores are typically the same. thanks.

No, really I just am wondering how rates are expected to move and if/when there will be an adjustment in auto finance market due to recent cuts. I don't even know if my 4.99 is a good rate as I have not been shopping around. I thought automotive finance would be the place to ask. I don't have a question about the benefit of such a transaction, I will definitely do it, just need to know if I should wait for rate cuts to kick in. I know for mortgage it takes some time but now sure how it works on auto.

My 1 year old Honda Pilot loan (22k) at my credit union is at 6.24% (60 months about 50 remaining). They have recommended I do a refi for a charge of $120 to bring it down to 4.99%. I am wondering if rates my go down a little more since the recent fed rate cut. Should I wait and see or just do it. I think it will save me about $1000 if I keep the current term of about 50 months. If I bring it down to 48 months I get a better rate of 4.74%, but that wouldn't help much. thanks for any advice.

I don't think it works with Citi Amex. So I'm assuming there are none?? I am really sick of the trulink services, they are so slow and will rip you off any chance they get.