Fern278

Sapphire Black! I use the california duster on it everyday to keep it nice and shiny!

This is the very first car i financed!! Details: -2008 BMW M coupe ~15,000 miles. Complete with all options. -Pulled Exp Auto enhanced. Score was 734! (really surprising) -Asking price 38K. Negotiated down to 32K. 4K down payment -4.9% for 60 I think i did ok for my first car buying experience. I couldnt have done it without CB!! BTW i'm from southern california...

709 to be exact. Yayyyy!!!!!! Still working on EQ though.

Has anybody on CB dealt with them? They are located next to my work and I was thinking of joining since I will be in the market for a new car soon! Thanks in advance

Credit Application: Your Age: 31 Your Equifax Credit Score 690 Your Experian Credit Score 744 Your TransUnion Credit Score 692 How many years have you been on file with Equifax 11 How many years have you been on file with Experian 11 How many years have you been on file with TransUnion 11 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan: No Will this open auto loan be a trade-in: NA How many late pays within the last 12 months on the currently open loan: NA How many late pays within the last 13-24 months on the currently open loan: NA Your current open auto loan is financed with: NA Your current open auto loan payment is: NA Estimated amount you may be upside down in this vehicle: NA Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) NA YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have: 3 Total percentage utilized overall: 10% How many of your revolving accounts are store cards: 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa): 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier): 0 YOUR PERSONAL INFORMATION How long at your current residence: 4 years Do you Rent or have a Mortgage, or Live w/Relative or Other: rent Your Monthly Rent or Mortgage payment: $600/month How long have you held your current job: 4.5 years Your total provable monthly gross income is: $5,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements): computerized paycheck stub Is there additional monthly income? What amount monthly? No Describe the source. NA Is the additional monthly income provable? NA Spousal income is not applicable. NA YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $7,000 Does any credit repository contain any Public Record? no If yes, please very briefly describe. NA Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. NA Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best)7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)6 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9 New or Used vehicle you are considering: Please very briefly describe. I am considering a new or cpo in the $40,000 range. I haven't decided on make or model.

Congrats!! thats was also my first card since i tanked my credit a few years back.

Is it possible to go to a car dealership and find out your financing terms (approved loan amount & apr) prior to browsing for a car? It just makes more sense to me to know what price range i qualify for before I browse.

I just counted...it took a total of 53 pulls! I curious to see if i get more B* tomorrow.

Did dropping all your inq's cause your score to go up?

I got my first B* today from TU using CCT! Thanks CB!!!!!!!!

Well, generally speaking, the older the negative debt is, the less bearing it has on your scores. Have you tried a good faith letter with the lates? Also, as a former car salesman, I can tell you this... A large down payment can overcome credit issues 99% of the time. It's called an "equity buy". It means that the lender has a significantly lower loan-to-value ratio in the car and they can keep their losses to a minimum should you default. Hope this helps. Bill How large of a down payment would you suggest? thanks!

UPDATE: After many months of calling Amex I finally received my oasis optima card today!!!!! woooo hooooo!!!!! The best thing about it is that the TL back dates to 1998!!! My card reads "member since 98" Thanks for everything CB!!!!!!!!!

Awesome info!! How are they with first time audi/vw buyers? What kind of scores are they looking for? thanks!!

Just canceled and was offered the $9.95 per month special!! I start pulling on the 22nd!!