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  1. Mine started reporting before they'd sent the card in the mail.
  2. Treat a car like a house. Always go get pre-approved at a bank or CU. Never go to the dealer to get approved. That gives them the upper hand all the way around. The only thing the dealer should know about your financials is the name of the bank on your pre-approved check. That way you control the pulls on your reports and the deal you get. Sure they all count as one for scoring reasons but it takes some of the hassle out of applying for other credit over the next 25 months. You should take a look at getting a secured card at a CU. You don't need to put a lot of money on a secured card, $300 will do the same as $1000 as long as you watch utilization. This can difficult to impossible if your credit is bad. I don't disagree, but depending on where you are at in the credit repair process you may need the dealer to get you an approval for a rate less than the max. I just bought a used car for 11.49% for example (ouch, but I will refinance in the next year or so). The best pre-approval I got on my own was 16%. I'll take the 12 inqs over a rate like 16%.
  3. Congrats! How long have you had them? I'm on 1 month and waiting until 4 to hit the luv button.
  4. It could be a delay in getting it registered from the county - the last one I had done I had to get another temp sticker.
  5. Normally I would agree that it's not worth it - but just getting away from Santander would be enough for me.
  6. My bank cancelled my debit card (Home Depot issues last year) without actually sending me a new one. Well I was pretty upset, but since they are a local credit union I was able to get a hold of the actual local managers. I left a message on their Facebook after a terrible call with the customer service line, and the regional manager called to apologize. She had the manager of my bank print a new card at another location (they had a shortage of cards apparently), drive out to get it, and met with me the next day. When I got there she said all the right things I needed to hear to stay as a customer, and handed me a $25 Visa gift card. I decided to stick it out awhile longer to give them a second chance. So some bad mixed with good..
  7. Update - in the midst of all the cleaning up of this repo, they finally got an approval from Gateway One. Our payment went down a few dollars and we walked out 100% financed at the price the car retails for, and the apr is 11.49%. Now to work hard on this so I can refinance at some point
  8. APPROVING BANK Gateway One BUREAU PULLED EQ CREDIT SCORE EQ 599 EX 628 TU 618 CUSTOMER STATE OF RESIDENCE TX NEW/USED USED Jeep Grand Cherokee YEAR OF VEHICLE 2012 MILEAGE 57k RETAIL/LEASE Retail AMOUNT OF LOAN 23858 ADVANCE PERCENTAGE 100% TERM CONTRACTED 72 APR/LEASE RATE 11.49 MONTHLY PAYMENT 461 MISCELLANEOUS COMMENTARY: We traded in a 2013 Hyundai Sonata, 4K upside down. We put down 2K and they took an additional 2K off the Jeep to get us to 100% LTV. It comes with a 60 day warranty - so that is nice. Scores are low due to a repo from 2010 (cosigned) that is showing as charged off and closed as of 08/2014. I have 6 perfect car loans in the past however.
  9. tabathad


  10. tabathad


  11. Thanks - I'll try the DMV first. We've switched insurance companies since then, and I cannot remember who we used when he had the car (I kept the insurance on it since I was on the title).
  12. Follow up question - I'm going to start the WhyChat process asap, but it says I need the VIN#. I've lost all paperwork I've had on this since we've moved several times. Anyone have any ideas on how to locate that info?

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