got 660 on equifax, cant pull up my experian or transunion..they cant seemt of ind my info?? i know i have some derogs on experian and TU. what is the quickest way to get my credit rep?..tried onlibne.but couldnt, equifax pulls up just fine. need to buy a car, will pay upto 50% down (car value 10K). ALready have the car identified, would like to get otuside financing instead of the dealer. ANy suggestions?.. please help. Thanks in Advance
Try your local Credit Union and apply personally (first impressions can get you good rates). How about the bank where you've had a checking account for a few years?
I've got financed before with sub-600 scores with Household Auto. Not only that, it was a second car (I'm single so I had to argue with them that i wouldn't turn my jeep lease in early) and the "new" car happened to be a 1 year old jaguar XJ! So I wasn't pulling on their heart strings to get it, I doubt they would have had any sympathy I applied online, bought the car that same week. I've also had luck with chrysler credit for that jeep cherokee lease, and i believe my scores were in the 580's then as well.
Thanks for replying. I do have an account with a crddit union since for roguhly 2 years. initially they didnt even approve me for a visa debit card, citing poor credit and one derog on chexsystems. do you think i should again proceed with the credit union or just go to a dealer and let him have his way with me. AT least that way , i will get financed and not incur multiple inquiries on my CR. Is there a way i can request to credit union to do a credit check ithout it showing up as a hard inquiry?. also can anyone recommend lenders who will finance me directly instead of going through a dealer who "specializes" in bad credit financing? Thanks for help people..your advice/input is appreciated.
have you looked at Household Auto finance? as i mentioned, my scores were in the 580's. They'll send you a check for whatever they approved you for.. you stay under that amount, you don't have to come up with any down payment. I think the req's are that the car is no older then 5 years, no more then 50k miles. You get that check from them, and then you can shop like a cash buyer. I bought my car during lunch break, and made it back to work on time real easy.
