MarvBear

How much paperwork did you actually sign?

Traditionally leases have more stringent credit qualifications.

Here are all 3 phones and addresses. cra address.pdf

Dont try and spam us please.

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I don't know. Probably FICO will take a small hit with the loan pay off but shouldn't last long or be too bad.

Who does this person sending the email work for? The dealer or the lender?

I going to try and move this to the main credit forum.

Welcome to CreditBoards.

Why are these accounts not obsolete?

I get the impression from reading your post the account is most likely too old to be reported per FCRA. You should determine if the account is obsolete.

Well, go to a dealership and strike a deal on the numbers, and then go to as many credit unions as you deem appropriate with a copy of the bill of sale along with a copy of the window sticker. That way you oversee your destiny. You can accept or decline their terms/conditions as you wish.

Why do you care now with all the inquiries you have?

nonsense: You payment schedule is clearly stated in the REG Z box on the contract. If SE Toyota would put it in writing to you, then that might make a difference. If you pay online, their website may accommodate extra principal payments, I'm not sure, but my Honda loan had that ability. Still didn't change my monthly payment.

The simplest answer is the more down-payment you make in cash, the lower your monthly note will be. I put close to 50% as a down payment on my last vehicle purchase in 2014.

Welcome to CreditBoards.

Welcome to CreditBoards.

Welcome to CreditBoards.

Welcome to CreditBoards. Folks will be glad to help you. You made your first post in the right place.

Bigger usually equals more money. IMO. Just be prepared for sticker/payment shock.

If I put ten used car managers and let them independently evaluate the worth of a vehicle, I would get ten different answers. I am really confused by your postings, WHY are you trading the durango since you like it so much for yourself?

I always use up to the minute auction reports. I believe KBB and NADA are used by lenders to determine the advance percentages.

Welcome to CreditBoards.

Welcome to CreditBoards.