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peytontaylor

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About peytontaylor

  • Birthday 02/25/1985

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  1. Yikes. So I was paying OC McCormick Ambulance for over a year for an ambulance ride I took. No interest payment plan. I moved and they didn't have the new address. After a few months they just sent the $600 balance to CA Grant Mercantile Agency. I began making payments to Grant Mercantile Agency but I argued I didn't owe interest and didn't make final $120 payment, so they reported to CRAs. Essentially, I could have used your program to save the entire $600 and keep the collection account off my CRs?
  2. CRs had paid medical collection from Grant Mercantile Agency. Made a mistake and paid $120 balance after they refused PFD. Disputed to all 3 CRAs and CA verified. Sent @Why Chat's alternate medical DV for paid collections to Grant Mercantile Agency late last week. Collection account removed from all 3 CRs by today! Thank you!
  3. Talk tough, big guy. We know what that means.It means I'm smarter than you and your friend. If the only way he can afford a BMW is 6% x 60 months with a down payment the size of your brain then he can't really afford a BMW.I'm doing 2.9%, $0 down, $790/month for 60 months or 3.9%, $0 down, $672/month for 72 months. Hopefully you went with the 60 month loan here.....i went 72 but am going to be paying above the car note amount many months. I know it was an error going with 72 and I was advised by guys here to go 60 months and 2.9%. It will work out and hopefully I can refinance at end of year anyway.
  4. good to know. Internet price was 40,865. Seems like they may give to me for 39k. If so i may just take it. It's a diesel and only 22k miles on a 2014 and a lot of options included.If they give you your price you should probably take the deal.2014 BMW 535d m sport. Loaded with options. 22k Miles. 2.9% apr. Internet price 40,865. They are going to accept 39k. There are 535D vehicles for less but they don't have same low miles and the options this one has.Kongrats! That's a nice car. If you're in SoCal, they are ALWAYS going to deal. Too many BMW dealerships and so many leases that they have piles of 2014's they have to move, especially with summer coming and the 2015's about to come back. thanks! Finally done renting a damn c class from avis for like 1500-1700 a month... Waited to make sure my credit was decent enough for a good apr. Congrats on the BMW. However, what you have spent on renting from Avis has far exceeded what you saved in finance charges from a marginal APR improvement. And you could have just planned to refinance to a lower APR with a good CU once your FICO's hit Tier 1 levels if you had initially purchased a car to prevent the Avis rental deal.thanks for the congrats. Yes I think you're correct, the rental situation could have been managed better. I began the rental situation at a point where I thought i would not be found at fault for the accident that totaled my car or at worst there would be a comparative negligence. Under these circumstances there was a path for reimbursement for the high cost rental. Ended up being 80/20 comp neg, not in my favor, so I will get basically negligible reimbursement for the business related rental. You make good points about money that could have been saved but hey live and learn. Glad the folks here provided helpful info for the new purchase.
  5. good to know. Internet price was 40,865. Seems like they may give to me for 39k. If so i may just take it. It's a diesel and only 22k miles on a 2014 and a lot of options included.If they give you your price you should probably take the deal. 2014 BMW 535d m sport. Loaded with options. 22k Miles. 2.9% apr. Internet price 40,865. They are going to accept 39k. There are 535D vehicles for less but they don't have same low miles and the options this one has.Kongrats! That's a nice car. If you're in SoCal, they are ALWAYS going to deal. Too many BMW dealerships and so many leases that they have piles of 2014's they have to move, especially with summer coming and the 2015's about to come back. thanks! Finally done renting a damn c class from avis for like 1500-1700 a month... Waited to make sure my credit was decent enough for a good apr.
  6. Talk tough, big guy. We know what that means. It means I'm smarter than you and your friend. If the only way he can afford a BMW is 6% x 60 months with a down payment the size of your brain then he can't really afford a BMW.I'm doing 2.9%, $0 down, $790/month for 60 months or 3.9%, $0 down, $672/month for 72 months.
  7. buying it at 39k. Only going to get gap coverage. BMW is going to offer a chocolate load of add ons when I speak to Finance guy.
  8. good to know. Internet price was 40,865. Seems like they may give to me for 39k. If so i may just take it. It's a diesel and only 22k miles on a 2014 and a lot of options included.If they give you your price you should probably take the deal. 2014 BMW 535d m sport. Loaded with options. 22k Miles. 2.9% apr. Internet price 40,865. They are going to accept 39k. There are 535D vehicles for less but they don't have same low miles and the options this one has.
  9. good to know. Internet price was 40,865. Seems like they may give to me for 39k. If so i may just take it. It's a diesel and only 22k miles on a 2014 and a lot of options included.
  10. internet price for car was 40,865. I offered them 38,000. They said no but can do 40,000. I said 39,500 plus they have to tint windows and install the m performance black grill for free... What do you guys think. If I walk out right now you think they will offer 39k. They are saying their internet price is fair and they don't have much room to go down.
  11. hes quoting me payments at 2.9% right now. If they can get me 2.9% should I by today? Even when my scores update in 30 days I won't be in the 720 or 725 range that is probably needed for 1.9%. Also he said I should go with 72 month term even tho it will bump me from 2.9 to 3.9 because of the Lower payment and I can always pay more per month if I want.
  12. Thanks. So they had to run all 3 bureaus at BMW. Anyway, they said auto enchanced Fico came back at 640 Experian and TU 682. They know my EX will increase to close to TU after update. I fell short of their tier 1 which qualifies for 1.9% apr special for cpo cars but they said I'm approved for all CPO cars at max 4.9% and once we get a deal on paper they can ask the bank to bump me down to 1.9-3.9%. Anything I should be doing or asking? Thx for all the help from everyone here.

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