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Found 8 results

  1. Can long term auto financing lower someone's fico score? Does it look bad to other lenders even if you pay it off early? I want the longest loan term I can get, but I want to pay it off early.
  2. (I realize I posted this is the wrong forum. I'm moved it to Auto Finance.) Sorry! Hi, everyone, I’m in the process of shopping for a good preowned car and I saw one that I liked at the dealer. The Carfax looked good, test drive went well, so I put down a $500 deposit and said I’d be back when I got my DCU auto check in place. (Leaving the deposit was a mistake, I now know.) Today, three days later, I’m reading the Carfax more carefully and I see it doesn’t list the car’s service records as specified by the manufacturer’s warranty (which is still in effect). I plan to ask the dealer for t
  3. I apologize if this information is easily found, however I have been parusing for about a half hour and can't find it. Any help is appreciated. I have noticed credit apps being posted, assuming someone is reviewing and responding with an overview of possiblities? I could be totally wrong with what I think :-) My situation: Am looking to replace my car in April at the latest. I have been spending the last couple of months rebuilding my credit, seems I have little to none. I have a bk from 2007, a tax lien (from divorce) paid off and cleared in 09. My house from 09 shows paid off/s
  4. Hi, guys, I’m currently in a 2006 Honda and I’m looking to upgrade. It’s worth about $9K KBB book value (if private sale) and I still owe $5K on it. My credit file is thin. My EX FAKO is 697, one 6 year old paid civil judgment, one secured credit card reporting for the last two months, one potential medical collection and my car loan of 2.5 years. I got it when I had no credit score whatsoever, so the rate is a deadly 17 percent. I have a CA lurking regarding a medical collection that was on my report (but luckily it was removed in dispute) that will be permanently barred from re-reporting i
  5. Hello everyone I am in need of a car, I have come across a late model truck that I like 2003 ford expedition with about 160,000 miles. for 3,000. I have a account with navy federal my Equifax score is 616 fico and my Transunion and score is 685. I have 4 neg on my Equifax report not paid and one paid all under 800.00. I rather have a pull from Transunion but navy always pulls from Equifax. What are my chances of getting this loan. I will be paying it off in 4 months because I am trying to buy a home. I am looking for a loan for 2000.
  6. I'm going to make this a short and sweet summary found the forums in 1/11 1st card since '08 in 2/11 ($400 MC by HSBC) 1st discover card in 11/11 ($1k) then had 3 fights: cap one (charge off): failed Public Storage (public collection?): tie [they will fall off next year so meh] LVNV/Resurgent (CA for cap one): WON! in 3/12 MC $400 -> $520 in 5/12 Discover $1k -> $1350 in the last year i have gained a minimum of 50 pts on all 3 8 days ago i was approved for a $900 amazon.com store card 3 days ago i got my very first car! a 2008 Prius touring package #6 it's b
  7. I've been reducing my debt for years to realize my dream of owning a house. I've paid off over $70,000 of my student debt over the last 5 years, but I still have $24,000 to go. Still, I am very close to having enough paid off that I can get a house much earlier than I expected. I looked into getting a mortgage recently, but they said that my debt is still too high to lend to me despite having a good credit score and credit history. In an effort to reduce my debt further and faster, I thought that a good option would be to ditch my car loan (19k) and take over someone else's lease. I figure
  8. Made the mistake of co-signing a car lease my "FRIEND" has faulted on the payments I can not make them I am turning the car in can I get this repo off my credit reports?
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