Jump to content

Fred030

Members
  • Content Count

    379
  • Joined

  • Last visited

Recent Profile Visitors

264 profile views
  1. Our concern was why the vehicle had that issue so early on. While Highlanders are known to have this issue ideally after 130k, we suspect that there was more to it that prompted this repair.
  2. Here we are with a report! Highlander with 41k miles was a one owner vehicle. Dealer had no idea how this vehicle had so many miles. On a mechanical side, vehicle had Rear Main Seal repaired because it was broken at some point. salesman claimed that vehicle is in good health despite that work but we were not impressed. So we scratched off. .
  3. Thank you, everyone for much need guidance. Family finally decided to move on to a 2019 CPO Highlander with 41k miles. They are asking 29k, we want to get it for 26k. So number are still in the process. Going back tomorrow to talk more.
  4. Vehicle is Lexus GX 460 2014. It has 60K on it. Vehicle has cosmetic damage as well. We did not want them to feel like we are desperate for this vehicle, so we decided to walk away. From research, it appears that vehicles is $2000 overpriced.
  5. He has 60k/ year. Since we will be paying for the vehicles as a household, our joint income is more than 130k. We went to few dealers in NJ today. We liked a vehicle at a dealer but his price is too high. Vehicle is marked at $26500. We tried negotiating the price but he stated that he could offer us discount on add on and warranty etc. and marking the price up to $31685. We asked that he take off add on and warranty etc. He then came up with $29,750. When I asked for breakdown, this is what he had listed, Price $26500 Tx $1856 Doc Fee $399 Reg Fee $596 Prep Fee $399 Total $29,750 I wanted to ask how can I negotiate these fees? Because vehicle has cosmetic damage, it is slightly overpriced, our target was to buy the vehicle at $26500 out the door. Are we being unreasonable on the price etc, what is your suggestion?
  6. Thank you, we are working on bringing it down. Our target is to pay off a low balance first. Is it the right approach you think?
  7. Credit Application: WE have been offered 27k by DCU at 5.49%. I would like to as if it is the best we can get or we should explore other options. Your Age: 30 Your Equifax Credit Score: 647 Your Experian Credit Score:671 Your TransUnion Credit Score:650 How long have you been on file with the CRA?s?4 Previous Automotive Credit History: Do you have an open auto loan? Yes, 18 months history Will this loan be a trade-in? No Number of late pays within the last 12 months on the currently open loan? 0 Number of late pays within the last 13-24 months on the currently open loan? 0 Current open auto loan is financed with? DCU Current open auto loan payment is? 442 Estimated amount you may be upside down in this vehicle? $1000 Rate your payment history on this open auto loan from 1-10 (10=BEST) 10 I have read and understand the original pinned "No Credit Check Required" topic. Yes Revolving Credit History: Yes Total number of revolving accounts? 6 Total percent utilization overall? 80 Your Information: How long at residence? 5 Rent/Homeowner/Live with relative? Own How long at current job? 5 Total Provable MONTHLY GROSS INCOME? Provable via computerized paystub or what method? Your Downpayment in CASH: 0 Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE INPUT. Does any credit repository contain any Public Record? No Is so, please describe. Does any credit repository contain any Collection Account(s) No If so, please describe. New or Used Vehicle you are considering; please describe: Used Your creditworthiness on a scale of 1-10 with 10 being the best: 10 OVERALL credit: 10 Installment Credit History: 10 Revolving Credit History: 10
  8. I have copied the pattern of another poster, but I filled up with our own answers. I thought it was okay. My apology to you and the member.
  9. Members 55 posts Report post Posted June 23 Credit Application: Auto Loan My brother is financing a vehicle with DCU. Our intent is to keep the vehicle for at least five years. We have an offer from DCU at 5. 49% citeda EQ 647. Please let me know if the DCU offer is good. We are looking at a vehicle that is $26500 in NJ. How can we negotiate it to bring down to 24k? Also are there any hidden fees that I should be aware of in NJ? Vehicle will be registered in CT. Your Age: 30 Your Equifax Credit Score: 647 Your Experian Credit Score: 650 Your TransUnion Credit Score: 671 How long have you been on file with the CRA?s? 4 years Currently has an Auto loan with DCU with an 18 months good payment. history. Revolving Credit History: No late payments Total number of revolving accounts? 6 Total percent utilization overall? 80% How long at residence? 5 years Rent/Homeowner/Live with relative? Owns How long at current job? 4 Total Provable MONTHLY GROSS INCOME? $5900 Provable via computerized paystub or what method? paystub Your Downpayment in CASH: 0 Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE INPUT. No adverse credit history. New or Used Vehicle you are considering; please describe: Used 2- 3 years old Amount seeking: $27000 Your creditworthiness on a scale of 1-10 with 10 being the best: 10 OVERALL credit: 10 Installment Credit History: 18 months an auto loan with DCU Revolving Credit History: 4 years
  10. HI, My brother is applying for Business CC and BCLOC with NFCU. He has been an NFCU member for three years. His Biz account was set up last week. He would like to know how can he go about applying for Biz CC and BCLOC on a same pull? He does not yet have a Biz rep assigned to him. Business is a year old. He has a paper application for Biz CC, does he need a separate application for BCLOC? I don't know if it is true, but NFCU Rep was telling him that a business must be 2 years old to qualify for Line of Credit. Is it true?
  11. HI, My brother is applying for Business CC and BCLOC with NFCU. He has been an NFCU member for three years. His Biz account was set up last week. He would like to know how can he go about applying for Biz CC and BCLOC on a same pull? He does not yet have a Biz rep assigned to him. Business is a year old. He has a paper application for Biz CC, does he need a separate application for BCLOC? I don't know if it is true, but NFCU Rep was telling him that a business must be 2 years old to qualify for Line of Credit. Is it true?
  12. "D" is dead as of March 2015. However, AMEX will continue to backdate Member Since Date on cards as well as online accounts only so as to reflect when a particular individual first became an AMEX member.
  13. Any paid off CO is still a derogatory for as far as the FICO score are concerned. With those derogatory accounts showing up on your reports, applying randomly to issuers without any definitive strategy is just pilling up pulls on your reports. As Hegemony stated, before you do anything else, get hard copies of CRA. Those will help you a lot as you work along.
  14. I have a hearing coming up. BoA ended arbitration in 2009 I believe. I needed the first portion of the agreement pertaining to "By using this card, you agree to the terms and conditions of this agreement." I wanted for reference only.
  15. On CFPB, I did find an agreement from 2016 but I could not find any from 2015. Will that be good enough? I am not sure how many changes were made to 2016 one.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines