Long time....

Discussion in 'Credit Talk' started by Shantel, Aug 15, 2001.

  1. Shantel

    Shantel Well-Known Member

    Hello folks! Long time no "see".

    I'm just checking in. Nothing new, besides I'm trying to get a loan for an Acura SUV that I ordered that's due to come in the end of the month.

    My CU will pull Equifax and I have a collection there that should be falling off any day now. I'll keep checking Privista on Monday evenings to see if it's gone. My score went up 9 points for paying down my balances!

    Other than that....things are going really...amazingly well. Keep fingers crossed on the car...I really want this!

    I'll check back with you guys soon. Hope all is well with everyone. Hey Roni...did you close on your house yet?
  2. Jim

    Jim Well-Known Member

    Hi Shantel,

    I just happened to check the board after a short absence and saw your post. I remember that you posted about the Acura a while back. Good luck and congratulations!!!! I am really surprised that Honda Finance did not make you a good offer for lease or purchase.

    How do like the Discover card you got some time ago??

  3. Cadillac408

    Cadillac408 Well-Known Member

    Hey Shantel....

    That Accura SUV is pretty tight! Good luck and I hope you don't get raped in finance. Stand your ground and be prepared to WALK AWAY if necessary. Car dealerships can be off the hook sometimes.
  4. breeze

    breeze Well-Known Member

    Hey Shantel!

    Good to see you!

  5. SisterGirl

    SisterGirl Well-Known Member

    Hey girl...good to see you again....hope you stay awhile.

    Sister Girl
  6. MikeG

    MikeG Well-Known Member

    Good luck and good to hear from you.

    Mike G.
  7. mother2

    mother2 Well-Known Member

    Good Luck Shantel. You'll get it. I got my Acura SUV through my CU. I couldn't believe it when they called me to pick up my check.

    Only problem now is my back end is high because of my purchase so now I'm having problems trying to get a mortgage. :eek:(

    Oh well, I guess I'll just have to live in my truck.LOL.
  8. Shantel

    Shantel Well-Known Member


    I didn't try to go through Honda Finance. I don't know which CRA they pull from so I can't take those chances. I know my CU pulls from EQX and I'm going to stick with them. Especially since I'll get 18k miles a year for the lease and there's no early termination penalty.

    Discover is treating me fine. I'm glad to have it. I'm paying it down quickly because my 1.9% BT intro rate runs out 9/1.

    Thanks for caring enough to ask!
  9. roni

    roni Well-Known Member

    Good Luck Shantel with the purchase. I close on Wednesday of next week. I am psyched... scared. But I love the place....(smiles).

    ME wants ME a new Car soon too....
  10. Shantel

    Shantel Well-Known Member

    I hope I don't get raped too. I already know the vehicle is outrageously overpriced seeing that demand is higher than supply, but I just LOVE that thing and that's my first choice so if I can get it, I will.

    I don't want a $700 car note...that's CRAZY!!! So that's why I chose to lease. And the way they do it, you actually own the car, they just do your payments where you pay it down to the residual. It's actually a very good deal. And at this point, I've gotten a new car every 3 years so it just makes more sense.

    Don't worry about me staying around...I'm definately NOT going anywhere!!! I'm turning into a lurker, big time though, due to school and the new job.

    But I miss you guys...I'm having withdrawal symptoms! <smile>

    If nothing else, I'll come back WHEN I get my new car to share the joy!
  11. Shantel

    Shantel Well-Known Member

    Mother2...if you don't mind me asking, what are your payments like? How much did you put down? What was your CR like and how hard was it to get? What was your debt to income ratio?

    I have the CU app and the CSR told me they are much easier to get than other loans but I have that one collection on my CR that I want to get off. But I'm scared that if I wait, something ELSE really awful and hard to remove will appear and kill my chances.

    If you don't want to post the answers here, you can email me at sweetnsas@carolina.rr.com.

    Thanks in advance!
  12. Reshod

    Reshod Well-Known Member

    Honda pulls from Transunion for my new Honda Passport (couldnt afford the Acura SUV) while i was in Atlanta.

    I live in Texas. I hope that helps.

    And Good Luck
  13. Shantel

    Shantel Well-Known Member


    Thanks for the info. I figured they would but I didn't even try. I got a good deal with my CU...and, yes, I WAS APPROVED!

    And THEN, the dealership calls me today and tells me the CAR IS IN! I'm soooooooo excited!

    I just have to fax a copy of my check stub for my file and I'm rolling.

    Mother2...I got that email...and THANK YOU!!!!!!
  14. Reshod

    Reshod Well-Known Member

    Congrats....Do you want to switch cars????


  15. Shantel

    Shantel Well-Known Member

    After having wait about 3 months...I think I'll pass Reshod! ;)

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