I am thinking about trying them for my car refinance loan. Will all the companies they 'shop' you to pull a report? Like at a dealership?
Donna, I have Americredit right now. I got approved through Cap One Auto but have not returned the contract (and dont think I will, they will save me $50/month but will still in the end pay the same amount for the car, plus they added 6 months onto my loan). Which report did Eloan pull?
I applied this month and Eloan pulled Experian for me - I am in the New England area. I was too low for them (Exp: 550) so they shipped me out to Household who also pulled Experian and approved me at 12%. Funny thing is, one week before this, I applied with Household directly and got declined - they pulled Equifax. Nothing in their system indicated that I had applied twice and I now have the car so go figure....Also, after six months, you can refinance with Household. According to their rep they transfer you over to retention and lower your rate (no new credit app required). I know you all say Household sucks but they have been alright with me in the short time I've dealt with them...
