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Steven85

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  1. I’d like to lease a new car and have a question regarding captive leasing. My FICO’s are in the 630-640 range, my wife’s are 660-670 range. I have always had a feeling the dealers spiked the interest/lease rates to grab more money than what the captive banks offered. Would it make sense to complete credit application at manufacture web site such as Nissan’s or Mazda’s to get approved prior to negotiating with the dealer? Would this method block dealers from spiking the rates? Sent from my iPhone using Tapatalk
  2. I'm willing to finance, I can put $2500 down. What lenders are easier for an approval. Sent from my iPhone using Tapatalk
  3. My credit score of 600ish (Credit Karma) is rather week with several late's on student loans. Which auto lenders are more forgiving for an approval? I prefer Hyundai, Ford or Kia but am open to most any brand of vehicle. My wife has a score of 635
  4. I'm in the market for a new car, my credit issue is high utilization and my credit union won't approve me for an auto loan. I heard Toyota is easier than most on approvals, but I'm not a fan of there cars... any one know how Hyundai/Kia are on approvals?
  5. Are you sure if the deferment is backdated the late's will get deleted?
  6. The easiest approval is the Zync charge card. Is this card looked at favorably by other creditors?
  7. Not new to credit at all. My Avg age is 9 yrs.... I was looking to add an Amex card to the stable. I currently have about 12 CC
  8. I was approved this week with a CL of $1800 with FAKO scores in the 630's
  9. Hi I was recently denied an Amex rewards card, they counter offered with a prepaid card. Are these cards worthy? Would this help to eventually get an unsecured card from Amex?
  10. Steven85

    BofA

    Hi, I'm looking to get a two credit card charge off's off of my CR. Is Bank of America kind to these requests?
  11. Can someone please PM the email address, I have 3 CO I'd like deleted as well..... Thank you.
  12. I received my card in May 2012. $1500.00 limit, I purchased an iMac for 1449.00 with 12 month no interest. So I'm paying it at a clip of 125/month. Lets see if they offer me an increase.....
  13. Would having a savings or checking account with Chase, Capital One or Citibank increase your chances of being approved for a credit card with any of these lenders?

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