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MarvBear

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About MarvBear

  • Birthday October 21

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    Sleeping in the Sun!

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  1. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  2. The dealer will actually have to submit your deal particulars to Cap One for the actual approval. That means the dealer will have to pull your credit file(s), and when they do they should provide you with a credit score disclosure notice which will explicitly state your FICO score. A prequalification will not absolutely guarantee any particular APR.
  3. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  4. I would pull your credit file(s) again.
  5. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  6. If you defer a payment, you still have to pay the interest accrued for the number of days of the deferral. If the loan was written at a higher interest rate and you deferred for one month, the math sounds about correct to me. How much is the monthly note?
  7. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  8. MarvBear

    Score drop

    Credit karma is a fake useless score. It is not in use by any institution of which I am familiar for the extension of credit.
  9. Cargo: this one I know nothing about to try and help you. But it is very good to see you again.
  10. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  11. That would be called direct financing whereby you pursue all the banks to tender your own application. You directly control the number of banks that get your application. If you go the indirect route with a dealer you will have at least 2 inquires. One from the dealer and the other from the lender selected by the dealer. Each time the dealer submits your application to another lender, then that lender will create its own inquiry. I've never had 1000 lenders to pick and choose from.
  12. Politics do affect many aspects of our lives, and it is a shame that the subject cannot be discussed in a civil manner on this board. However, we found through difficult experience, that it is impossible. We made a decision at that point not to allow political discussions on CB. We will not revisit that decision, as I have said numerous times. Those of you who joined after that debacle will not likely understand, since we have put all those posts in an archived forum, and they are not accessible to the general membership. We have no plans to make those posts available in the future. You will just have to accept what we say. We tried it, it didn't work. CB enjoys a strong sense of community. The "family" atmosphere, the feeling that one's thoughts and feelings will be accepted without judgment, is central to our success. The political discussions bring out the opposite in those individuals who feel a need to convert others to their political views, and those who feel a need to fight back against such individuals. As a result, CB has not only adopted a "politics neutral" stance, we have established a standing rule that any subject which is political in nature, or leads to a politically oriented discussion, cannot be discussed here. That is why these threads will be closed, and the participants redirected. In some cases you may see a thread closed when it borders on political topics, but has not yet taken a turn in that direction. That's because, in our experience, we know it will take that turn in the near future. Occasionally, some members feel a need to test the boundaries (a psychological phenomenon well-known in internet communities), by "baiting" other members into a political discussion. Others innocently post a subject they feel warrants discussion, and inadvertently open Pandora's box. We don't try to decide which is which, we just close the threads. It is not personal. If we had our way, we would be able to debate the subject sensibly. Occasionally, someone brings up the question of the owner's political views. We owners do not all agree on politics. It is not an issue that divides us, however. Our focus here is the board, and the welfare of the board, not our political views. We do not get into debating the merits of a particular thread, if we did, we would be putting ourselves in a very difficult position, and we have more important things to do. So, if your thread gets closed, there is no point in arguing about it. We've already been there and we're not going back. This rule, and the other hard-and-fast rules we have established over time on CB, have proved to be a strong basis for our success. We will always maintain the sense of community and our emphasis on the things we have in common, rather than the things that divide us. This topic is now closed.
  13. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear

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