Hold My Hand Please

I am sitting here at the puter biting my nails. We just put in an app with Ford Motor Credit. F & I says they pull EQ. Our score is 581, and all the GMAC derogs are poof gone (for the moment probably). So we are showing 10 GMAC paid as agreed in 10 yrs. Really need a car hubby's is dieing.

He should be calling me back shortly.

Oh yea, told him not to shop us, so he is only putting in thru Ford.

 

I'm off to Ford for my 5.9%!!!!!!!!!!!!!!!!!!!!!1

 

Ok, I'll start with the naysayers. (I hate being called a liar--although I was).

I got 4.9% la la la la la neener afran.

2003 Ford SuperCrew 4 x 4 in pull me over Mr. Policeman Red. Its a gasoline engine. These trucks are incentive trucks, if we had been interested in their brand new 6.0 powerstrokes we would have been in a tier of 15.9%.

What I learned - I knew from others here, that Ford was good to work with. What the Fi Guy told me was, Ford does not look at your beacon, they look at the big picture. Hubby's report has 2 R5's and 1 CO, 1 AU CO, and Cap One is in collections (I'm still working with them--they are slow to respond). Also some other misc. late pays. But he has 10 paid as agreed GMAC accts over 10 yrs time. Our other current vehicle was a problem for us, as it had been showing 30 x 7. During CHOD, EQ had removed it, and just before the investigation was over put that notation back. I wrote them a nasty letter and claimed reinsertion. The notations had disappeared again on Friday, so we had to get while the getting was good.

The Fi Guy said we usually pull EQ, but sometimes they will pull one of the other two. I told him--well there are some errors on all my reports still, and if you want to close a sale, you are going to have to pull EQ - he said no prob.

DH thinks I hung the moon and stars this morning. One month ago GMAC turned us down flat, and the dealer wanted to put us with Transouth at 18%. I said no thank you, I will wait. The Fi Lady there said, "well your'e eventuallly going to have to pay that amount of interest to reestablish auto credit" My reply then "you underestimate me". Hubby wants to drive by their dealership in his new toy and give them an afran neener as well.

Thanks all for your support!!!!!!!!!!!!!!

 

Tooth,

We traded in our 91 car + $1,000 for TT&L. DH and I also live for negotiating, we hate no haggle dealerships LOL. Original offer was $500 for the car 3K off the truck, and $2,100 cash. Our eyes lit up, and we were off to the races!

Ended up with 6K off the truck - "we know your holding back rebates". $1500 car, and 1K cash. The two of spent about 20 minutes making this newbie salesman blurry eyed with fast scratch and go multiple figures. The guy goes straight to Fi Guy and says Look - their in the biz just give them the numbers! LOL (Hubby is in automotive consumer electronics - he knows his way around a dealership). And boom it was done!

The best part was going in there knowing what rate you were at, and not feeling like a dirtbag begging to get into anything with 4 tires and a steering wheel.

 

And finally, it hasn't been mentioned lately, but we have a lot of newcomers, if you apply for credit please drop by millcbs.com and enter the name of the company and the bureau they pulled. It will help everyone!