Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.

Search the Community

Showing results for tags 'NYC'.

More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


  • Intro & News
    • Please Read Before Posting - NEWBIES START HERE
    • CB gets Press!
    • CreditBoards Success Stories
    • Newbies Section
  • Creditboards Main Forums
    • Credit Forum
    • Medical Billing & Medical Collections
    • Bankruptcy
    • Foreclosures/Loan Modifications
    • Chexsystems Help
    • Debt Consolidation, Counseling and Management
    • Military Credit
    • Canadian Credit
  • Financing
    • Mortgages
    • Automotive Financing
    • Student Loans
    • Business Credit
  • Money Management
    • Money Management
  • Special Topics
    • VISA MC policies
  • Resources
    • Laws Laws Laws
    • Where can I Find?
    • CaseLaw
    • State Laws
    • Debt Collector Hall of Shame
    • Identity Theft
    • CreditPulls Database
    • Databases and Reference
    • Sample Letters
  • Misc.
    • General Discussion

Find results in...

Find results that contain...

Date Created

  • Start


Last Updated

  • Start


Filter by number of...


  • Start



Website URL






Found 1 result

  1. Hi Marv, Quick question, I went to lease my first car at Accura. Everything was going great, UNTIL I got into the finance office. I just want to make note that I wanted to talk withthe finance lady prior to running my credit, as I had some questions. That was not an option. Ok I get in the office and her deamnor was nasty, ok anyway. She looked at my application, asked basic questions and entered it in the computer, next thing I know she said your denyed, sorry and closed my file. I was shocked, U asked the following: reason: not enough credit history Score: 697 ( she said I qualified for their preferred Tier which is Tier 1) (she didn't know if it was auto enhanced scoring, she asked what is that) who did they pull: Experian ONLY what can be done: co-signer who can show payment history She said she couldn't print anything out but moved the screen to show me what America Honda Finance gave her. I saw my one credit card that I opened back in Oct 2013 CL 2000 ( i have 2 other cc I was approved for but are not reporting yet) I have no baddies never been late. my questions MarvBear is: when trying to get a lease approval from the bank, the negotiated price is the amount they are requesting right? In my case it was $34,155 Am I entitled to something in writing stating that I was denied and based off what factors? I never actually seen the denial Should I request to speak to an under writer @ American Honda Finance on Monday and explain anything? (the finance lady didn't know what or who it was) Could I have chosen a different model less than the amount she entered requesting an approval? or is it just denied regardless? Should I try again when these two cards start to report? How long should I wait to retry again? Are there any car financing companies that are first time leasing friendly that you can recommend? would I face the same issue with other car financing companies? Should I just take out a loan from my local credit union and just pay it as per terms just to show that I am responsible? and for how long do you recommend that I have the term for? The income is there and was given proof via 6 months of pay-stubs. I was putting 0 down as I knew I qualified for at least preferred tier 1 I went on a mini app spree, well I only applied for one (and I truly believe that is an app spree) cc and was approved instantly. They pulled Experian despite the fact that 5 minutes prior I refroze it! Even though I didn't drive off with my car, I appreciate the experience!! It has taught me that I can face these car dealers and have the confidence and wisdom to show that I know what the bleeeeepppp I am talking about!! Except when it comes to financing All help is appreciated!! I look forward to your feedback!

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information