Well we are chp 7 discharged since 4/04 and we applied for a vehicle loan and voila took a bad hit. I looked at PG today since I got a notice we had a change and bam 5 more hits from auto financers! What do we do? Funny how the sales guy said we had conditional approval on Wed. so why did they pull more? Unless it takes PG a few days to update. I wish I would have waited a few months now, and also we got a gm employee authorization code that I have to use before 1/05 UGH, I hope this gets better, I just want this car and it be over....no more applying for anything for a long time! Not much I can do! Do you think we will get a loan? I would even take 18% since I did the numbers still only put our pymnts around 450...we could refinance in a year, do you think scores would improve that much to be able to refinance? Any input would be great....PG fako(fakos right)Equifax 528 Experian 585 TU 524 Do you think the auto scores will be better with 2 positive tradelines for a year each? Although we are turning one back in when we get this new car cause we are so upside down. I just wish this would all work out...When we turn the other car in do we call Capital One and say come and get it or we are taking it to this dealer you go get it? Since we are on base, not sure if they can come get it without notifying authorities. I would rather take it somewhere. ANy encourageing advice would be appreciated! Just sit back and wait or what???
Basically the car dealership sent out your application to try and get you approved at alot of different banks. He may have flat out lied to you saying you had been approved for anything and just continued to hit up different banks till one approved you. Or he did so and told you you got approved after he tried 7 different places. However being all the inquiries went through at the same time usually it won't hurt your credit as bad as they usually look and know you did all thoose inquiries for one loan.
well that makes me feel a little better about the points that is but DH said the same thing you did, he was pulling our leg....So what is he going to do now, tell us he couldn't get anyone to approve us? Or hope one comes across, I have been dealing with this guy a week on monday. I would really like the car and I guess he knows that, I am just curious what kind of conditions they come up with if any. I will keep everyone posted. I am not buying another car until this one dies!
well that makes me feel a little better about the points that is but DH said the same thing you did, he was pulling our leg....So what is he going to do now, tell us he couldn't get anyone to approve us? Or hope one comes across, I have been dealing with this guy a week on monday. I would really like the car and I guess he knows that, I am just curious what kind of conditions they come up with if any. I will keep everyone posted. I am not buying another car until this one dies!
