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  1. NFCU offered me about 3.9% for a used vehicle loan, up to $22000. Easy app with them although I may try usaa, etc. Went to dealer. Found a car I want. Dealer offered 3% then said he found another bank that can do 2.7%, including all finance charges, fees, tax, title into the loan, total about 21000 on a nice vehicle. What am I missing here? Should I even try going with the dealer or am I in for a rude awakening? I've heard horror stories but I don't know one way or another whether I should just stick with Navy Federal and not finance with dealer. This is for a used vehicle
  2. generally do you guys go to the branch to apply or over the phone?
  3. this will be my first car loan. I have about $8,000 on my NFCU credit card and another $4,000 on my USAA. (credit card debt that im paying off) which of the two (NFCU vs. USAA), or other banks, will be forgiving when i apply for a car loan? im looking for vehicles in the $15,000 range and need to purchase in the next 14 days or so. preferably in less than a month. I have a new job and have had to spend to try and relocate and so on and so forth. in 60 days i can pay off my balances dramatically not sure if that's the best thing to do in order to get good APR on a car loan. without a car im renting a vehicle for the weekends and its costing me dearly. i basically want to know where can i apply to that will work with my situation? 40 young Equifax Credit Score? 733 Your Experian Credit Score? 735 Your TransUnion Credit Score? 748 How many years have you been on file with Equifax? 6 years, 7 months How many years have you been on file with Experian? 6 years, 7 months How many years have you been on file with TransUnion? 6 years, 7 months 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? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 7 Total percentage utilized overall? 23% revolving utilized How many of your revolving accounts are store cards? 1 best buy reward zone mc How many of your revolving accounts are major credit cards? 7 How many of your revolving accounts are known subprime credit cards 0 YOUR PERSONAL INFORMATION How long at your current residence? 8 years Do you Rent or have a Mortgage, or Live w/Relative or Other? wife carries mortgage Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 2 months Your total provable monthly gross income is? $2000 the only "debt" i have are my credit card bills, which are not high. for what that's worth Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? None Describe the source. Is the additional monthly income provable? 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.) $3000 or 20%. i can go up to $5,000 although not my preference. Does any credit repository contain any Public Record? No If yes, please very briefly describe. 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) 9 i assume only Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 assume Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9 assume New or Used vehicle you are considering: Please very briefly describe. 2013-2014 subaru legacy, about $15,000 or similar AWD vehicle
  4. i spoke to a rep on the phone today. there are two cards i can product change into and not lose my points and not get a hard credit pull. The two cards are the Thank You Premier with $95 annual fee and the Thank You Preferred with no annual fee. Otherwise I can close the card if i choose not to downgrade and i have time to use my points. I dont want to pay an annual fee. Im starting a new job and for the next 12 months i'll be working and saving. the days of blowing money are over i wont be using this or any new card much. i cant remember if i can PC to any card or just the cards they told me about....darnit i need to call them back will a product change/downgrade keep the account age intact or will it reset the account age?
  5. the only thing i can think of is if someone was moving to another country and wouldn't be here in, say 6 months, to return the car. i'm also shocked, i think we're both missing something big here. or maybe they're moving to another state and it would cost more to ship the car than to return it.
  6. I remember something similar happening to me years ago (i think it was years) and i wrote about it on this board. i cant find the thread. I had a capital one card and reported it as stolen. when they sent me a new card it began a new tradeline and the old tradeline remained as "closed." i can't quite remember if the AAOA was altered or how that affected the date the card was opened. i think i remember a reputable member stating that I should leave that kind of stuff alone because it can backfire and screw up tradelines and how they report. It wasn't intentional on my part, but still. This may have to do with how some "new" or replacement cards are coded because there are times where i request a new card and the tradeline just gets updated, not an entirely new tradeline. This is more common in MY experience. But i know nothin about this process. good luck to whoever tries this, i would tread lightly. (and take that with a half grain of salt)
  7. nice "2% Value for Cash Back Statement Credit Redemptions" what the heck is that supposed to mean? is it a straight 2% cash back or are the points convereted?
  8. quoting an already large quote is causing my quad core computer to quickly crash. say that fast 2 times
  9. i just saw the 100,000 credit limit and decided i would go outside and kick some rocks just for fun. to hell with this. AND im flipping tables when i get back
  10. Bank of America, Capital One, Chase, and Citibank. also waive AF's for active duty. Which citibank products waive annual fee?
  11. i will rent one and try it again in the next few weeks. did you finance with the dealer? how was that experience with respect to them pulling your credit (multiple pulls, one pull, etc) 0% is sweet but i think i will be going used at this time
  12. ^^^ great thank you @ chrishillson
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