Which Online Car Loan PULLS ONLY equifax I have a alleged repo in 97 that has been in dispute with TU((Ford Credit)&Exp(Mazda American Credit) for 6 mos EQUIFAX-No Repo No Stu Loans(deferment) My old car loan from Primus (r1) felloff July 1st(!@$^^) -I am a 689,(7.9%) dh 606(18%) we need a car bad!!!!! the dealership (lincoln/mercury) says they still can't get us financed my income - (28k) low, the mort & other tl is near perfect only in my name Dh income - 48k same job 7 years 8 (6yr old) Bad TL remain from the 4 pages he started off with started 11-02 with a 430 No Car Credit ever we are needing 21K for a 2002 Mountaineer (Used) any one have any suggestions???? Help !!! They have been letting me drive the mountaineer for 3 days now-I love it!!! we were in the Finance office Wed eve from 6p-8p Waited all day today to hear something - These scores are not that Bad !!!!
I too need this info. But please don't fall in love with a particular car. (I know you love it, but a dealer trick is to let you drive a particular vehicle to assure there is no turning back.) If your credit is not A1, you should try and settle for something you can afford; in fact, even less then you can afford. At this point in time, you must be sure that you build your credit and will not run into future problems anytime soon. This is one case where delaying gratification will pay off. By making on time payments for 1-2 years your prospects will improve immensely and then go for that Mountaineer!! You will save thousands and your credit rating will be looking great. Can't beat that! Patience is the keyword here. A car loan is probably the worst sort we can get because the product deteriorates in value extremely quickly and at the end of the loan is worth way, way less then what you paid for it. BTW, some books mention Ford Motor Credit as being credit user friendly. They recommend laying your cards on the table and asking the manager (not a salesperson) what they can do for you within your range of affordability. My dream vehicle is a Subaru Forrester, but even used ones are still too high for our budget. So I'm just looking for a reliable vehicle to go from point A to point B with decency, knowing that when our scores improve, that Forrester will someday be ours. I know this isn't what you want to hear but think of the amount of debt you are wanting to take on at this point in time. I'm only suggesting the above because I do want to see you in that Mountaineer, but when you can really afford it and get a great rate without jeopardizing your credit rating. Keep in mind debt to income ratios as well. You don't want to lock yourself out of future purchases you may have to make. Good luck whatever you decide.
