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cten07

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  1. If you can comfortably afford the payment and plan to stay put for a long time, at least 10 years,it is ok. Otherwise not advisable, especially if you need to move and you are caught in a down cycle. What % of net pay would the zero down cost each month?
  2. Most likely I will wait 30 days until the CRA's have it as current again; just wanted to know if its possible in case I have to. Car she drives has a weird intermittent issue with the braking system that of course goes away when we take it in to the dealer or mechanic as no one can seem to find anything wrong. She refuses to drive the car so I am using as my DD for now.
  3. Thanks Marv, just got a alert credit about my TU report and that potential strategy is out the window. Is it possible to get approved with a current 30 day late on your mortgage showing? My only account showing past due at the moment. My reports show that for the July 2019 payment; I live in Florida and the AC went out in my house so I had to kick the can on that one. Made the July payment on August 9th for July, paying August on Aug 30 and Sept on the 13th ect. I just pulled my scores and oddly enough they increased despite that.
  4. I had a dealer once try this with me. Said 488 a month payment including trade inequity. I asked for int rate and term, told me finance had the details. I demanded my keys back and left.
  5. Thanks for the response as always. Is it also possible to have the dealer just pull TransUnion and find a lender that way?
  6. I had dealer pull my credit last week, too low for a good lease, better rate on purchase. If I go back this week or later this month, would they have to pull credit again or is the credit pull valid for a certain number of days.
  7. I had dealer pull my credit last week, too low for a good lease, better rate on purchase. If I go back this week or later this month, would they have to pull credit again or is the credit pull valid for a certain number of days.
  8. Try Capital One, they do very high LTV's on refi and with a 600 score my guess rate would around 8-9%. I refinanced my 2018 Corolla LE in Feb 19 owing 21.5k from 14.4% to 9.86 under my wife and her score was 527 at the time. Only a soft pull to check as well then a hard pull to finalize offer. I found that most credit unions rates were higher until scores are over 620.
  9. Do they finance below 600, 560 to 580 range?
  10. Marv, Regarding Honda, I leased from them 2 cars from 2002 to 2008 with a perfect payment record and those accounts still show up on my credit report albeit closed. Would that help today with 580 scores for getting a lease approved?
  11. In Florida which bureau do they pull and what version?
  12. Are they as easy to get approved with a below 10% rate like Chrysler capital with a sub 600 scorel? Chrysler picked me up 4 years ago @8.04 with a 517 on a new Dodge Journey. Rolled in 2750 on that deal. Auto history was/ is perfect, no BK or foreclosure stuff ever.
  13. Any one know which bureaus Chrysler and Hyundai pull in Florida?

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