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Found 22 results

  1. Hey Everyone! Looking at buying a car in the next 30 days. The world is pretty much back open. Well...it never closed here in Atlanta, GA where I'm at but still lol. With things opening back up I am back in the office working and need to get a vehicle. I was able to hold off with working from home when my last clunker gave out on me. I got a pre-approval from Capital One. They verified my info via pay stubs and pre-approved me for a car up to $55k. Of course, I don't need anything that expensive. I have a charge-off/repo from over 24 months ago now. No late pays or other derogs
  2. https://www.msn.com/en-us/autos/news/used-cars-make-their-biggest-price-jump-in-a-half-century/ar-BB18WLrw?ocid=msedgdhp
  3. https://nonprimetimes.com/cecl-where-are-we/ There is no paywall.
  4. https://www.autodealertodaymagazine.com/358021/mazda-turns-to-toyota-for-captive-financing?utm_source=email&utm_medium=enewsletter&utm_campaign=20190902-NL-ADT-Enews-BOBCD190827012&omdt=NL-ADT-Enews&omid=1000693576 No Paywall. WASHINGTON — Toyota Motor Credit Corp. will replace Mazda Capital Services as the captive consumer loan and lease financing company for U.S. Mazda dealers, according to a report filed with the Securities and Exchange Commission Wednesday.
  5. Anyone ever deal with these 2? Have a pending deal and saw dealer sent out to these two? Obviously sub prime but how bad. Dealer also sent out to Ally but not GM Financial which surprised me.
  6. Good afternoon all, I was hoping for some advice in regards to the most beneficial way to go about this. I am offered a personal loan by AMEX with a 8% APR interest rate. I currently have two other personal loans with a much higher interest rates which would be paid off by October of this year if I leave it as it is, or pay them off early through my tax refund. I am looking at purchasing a new vehicle in May of this year and my utilization on my CC is right around 35%, if I take the AMEX loan, or my tax refund it would bump my UTI. to around 22% and would also actually help my D
  7. I have a friend willing to co-sign a loan for me. I am looking at the $12-$15k range for the loan. I don't want to do too many hard pulls, so I am going to try to get pre-approved. So, my question is should I try to get pre-approved from my personal bank (Wells Fargo) or go with one of the specialty lenders like CarFinance.com or Auto Credit Express?
  8. your Age? 43 Your Equifax Credit Score? FICO 8...718 Your Experian Credit Score? FICO 8....713 Your TransUnion Credit Score? FICO 8....715 How many years have you been on file with Equifax? 18 How many years have you been on file with Experian? 18 How many years have you been on file with TransUnion? 18 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? Yes ( Car is paid off, Blue Book is between 9k to 11k, hope to get maybe 4k???) How many late pays within the last 12 months on the currently open loan? ZERO How many lat
  9. https://www.dealerelite.net/video/is-that-your-best-price No paywall. For your information
  10. https://www.fi-magazine.com/353919/kbb-lists-2019-best-buy-award-winners No paywall.
  11. I had financed a car with navy federal. at a amount of 65k. i was financed at 65k 8% over 5 years. after 2 years of perfect pmnts i was looking to refinance the loan. lower interest. NFCU does not refi there own loans so i started looking at other banks. My father told me to sell him the car (qualify for new rate) (so i did) since the car was new and 2 years later still considered new under NFCU loan guidelines... car was a previous year model under 9k miles would qualify for new car rates. so within the first 6 months my father
  12. Hello Everyone, Can anyone please recommend a lender or lenders that can lend while Ch 13 is in progress in the state of Texas? Ch13 has been approved and payments are being made and will continue for next 2.5 years. Attorney would need to file a motion to have vehicle purchase approved from our trustee but I need to see if I could be approved before I file a motion. Thanks in advance.
  13. http://www.autodealermonthly.com/channel/rules-of-the-road/article/story/2018/05/arbitration-agreements-not-always-good-all-the-time.aspx No Paywall. For your information.
  14. http://www.autodealermonthly.com/channel/special-finance/article/story/2018/10/lessons-without-the-pain.aspx?utm_source=email&utm_medium=enewsletter&utm_campaign=20181006-NL-ADT-Enews-BOBCD180930003&omdt=NL-ADT-Enews&omid=1000693576&ajs_uid=7122G8705801J8B&oly_enc_id=7122G8705801J8B&ajs_trait_oebid=3671F9146356B0M No Paywall. I notice that in the main credit forum arbitration is a fairly frequent topic. Hope this may help someone.
  15. http://www.autodealermonthly.com/channel/dps-office/news/story/2018/09/cox-september-sales-to-decline-7-2-from-year-ago-levels.aspx?utm_source=email&utm_medium=enewsletter&utm_campaign=20181006-NL-ADT-Enews-BOBCD180930003&omdt=NL-ADT-Enews&omid=1000693576&ajs_uid=7122G8705801J8B&oly_enc_id=7122G8705801J8B&ajs_trait_oebid=3671F9146356B0M No Paywall. Auto Sales/finance related.
  16. I have all 3 bureaus frozen, will be purchasing a new vehicle and would like to use GM Financial as they do have some great incentives now, does anyone know who they pull and what version? I would like to be somewhat prepared, I’m in Ohio and I miss the old credit pulls database.
  17. Looking to buy an Escalade, and want to know if I should apply for the auto loan before or after my upcoming app spree. TU: 825, EX: 741, EQ 718 FICO 8's
  18. DCU is the place to go for difficult car loans. My car has over 140K on it and was a 2014 and they refied it. I was 4 years into a 530/mo 6% 7 year loan and now have a 5 year 5% loan at 280. Saving almost 50% will be nice. if I pay at the terms, it will cost 316 more in interest than if I had ridden out the current loan. However I intend to make extra payments given the extra money I’m saving so in the end ill be saving more and paying off at the same time, or even earlier than before.
  19. Justed wanted to share an approval. My Credit score was 609 Equifax Autoscored with a dismissed Chapter 13 in April of 2018 ( filed but did not go through with it; however, still shows on credit report). Perfect payment history on current auto loan for two years. Of course, I was being turned down because of Chapter 13 on the report - I was able to speak with the credit analyst at American Honda ( Finance Manager called and I spoke on my behalf) and explained the situation and asked that she look at the car credit ( two paid auto loans in the past). American Honda approved, but at
  20. I am self employed. There was a change in how my particular business is done, so the business crashed, and I have been in the process of rebuilding it. That is going ok, it's taking longer than I thought it would. I expect things will be very good in a few months. I have been rebuilding credit for years, and recently have had perfectly clean scores across the board. No doubt there have been some extremely close calls, and this past week, I messed up. I was already late on my cap1 card payment, and expected to get both payments before the 30 day late would hit. I have
  21. There are a couple of threads from several years ago that suggested that one should have an "upscale retail card" in one's portfolio. I haven't seen this discussed in a long time. Is this still advisable, and if so, what are the benefits to one's credit strategy? "It looks good on manual review" seemed to be the thinking at the time, but that's pretty vague. http://creditboards.com/forums/index.php?showtopic=434846&&page=2 http://creditboards.com/forums/index.php?showtopic=347063&st=0
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