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Mercymygft

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  1. Marv....Toyota Financial Services, which is who I work for. I'm not sure what you mean by indirect basis. One of our benefits is an associate lease, that is what this was. If the vehicles are in good enough condition (cosmetic) they offer them for sale to the other employees when they are turned in, if no one wants it, they go to the auction. BRBiz... I agree, but this vehicle came up and "appeared" to be such a good deal and he was already looking at a used Infinity. But this needed a new rear axle plus a lot of other stuff they weren't willing to pay for considering they were already had it priced below market value. I also agree he should look for something more reasonable, but.....
  2. Marv...I need some more answers, I hope you can help....I really didn't want to start a whole new thread. So the deal on the IS250 completely fell apart. Like I said this was an off lease vehicle that belonged to an employee. We went through all the steps, saying we wanted the car, getting the financing, etc. The last step was the inspection, we took it to the dealership to have it inspected and the car ended up needing soo much work to pass, they just pulled the whole deal and are sending the car to the auction. Normally, they pay for the inspection and the work needed to pass, but this car was just too much, probably $5000 worth of work. Ok so that's that. So now my question is, do you think my son could still get a loan for another car say at another dealer for about the same amount? How much do you think a dealer would let him finance? I feel like we're back to square one. I've been upset about this all day.
  3. Yep... he was APPROVED! He is one happy guy!
  4. Better to get the truth than to have sugar coated answers?? Well considering the 2nd poster on this thread answered my original question....no. I really wasn't looking for parenting advice.
  5. thanks How is this site different from the other?
  6. From the EQ/EX/TRANS site.... He only has the 1 card and only had it for about 2 years, so I don't know. All payments made 100%.
  7. My son has 1 credit card but it is almost maxed out. Not that high a credit limit ($2000). But the high utilization seems to be bringing down his score...it's around 690; everything else is fine. Question if he pays a chunk of the card off, how long till his score is affected.
  8. Oh sorry.... Your Equifax Credit Score? 680 Your Experian Credit Score? 680 (Fico) Your TransUnion Credit Score? 694 (735 From CapOne Card)
  9. Credit Application: Your Age? 25 Your Equifax Credit Score? Your Experian Credit Score? 680 (Fico) Your TransUnion Credit Score? 735 (From CapOne Card) How many years have you been on file with Equifax? How many years have you been on file with Experian? 2 How many years have you been on file with TransUnion? 2 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 1 Total percentage utilized overall? 95% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? 1 Cap One How many of your revolving accounts are known subprime credit cards 0 YOUR PERSONAL INFORMATION How long at your current residence? 24 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Live with parents. Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 4 months Your total provable monthly gross income is? $2080 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized paycheck Is there additional monthly income? Yes What amount monthly? $1000 Describe the source. Part-time Landscaping Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $1500 Does any credit repository contain any Public Record? No If yes, please very briefly describe. n/a Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 short history but 0 missed payments New or Used vehicle you are considering: Please very briefly describe. 2011 Lexus IS250 $15500.00 **This is my son's info - please feel free to ask for any additional info*** I work for Toyota Financial Services, this is an associate lease turn in they are selling.
  10. We are applying for a home loan and I need to know my FICO scores. What site is the best, most reliable site to check my scores?
  11. Thanks Breeze, appreciate it! Yeah, don't want to end up in deeper doo doo than I already am.

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