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Discussion in 'Credit Talk' started by tareco, Mar 22, 2001.
I just wanted to share!!
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If your buying new you can do the same thing with the dealer. Tell the salesman you want to sit down with thw F&I guy before you fill out the credit app. When you get to see him tell him the whole story. Dealers have some clout with finance companies because they give them so much business and if the F&I guy goes to bat for you he can do miracles. I bought my last two cars this way and despite having judgments collections and ghargeoffs was able to get financing through toyota motor credit on one and mercedes benz c.c. on the other. Generally you will get better rates through these type of lenders as opposed to independent finance companies. The bitch of the whole situation is however that I can buy a brand new Mecrceds E class but still cant get a decent credit card.
Good luck, tareco. I'm sure you will get a loan without problems. Let us know what kind of flashy car you get.
I had to do that when I got my Cadillac. I had to write a 10 page essay (basically) explaining the negative stuff on my credit. Fortunately everything was paid and I had documents supporting that. The credit bureaus just hadn't updated yet. I did help that on my credit report next to the negative stuff, that there was a note that said: Customer dispute in progress.
I wish I'd known this
a couple of months ago. I have 10 inquiries in one month, trying to get approved for a car loan or lease.