Search the Community

Showing results for tags 'auto loan'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Announcements
    • Polls
    • PLEASE READ BEFORE POSTING / Board Announcements
    • Resources
  • Credit Repair Forums
    • Credit Repair
    • Collections
    • Credit Bureaus/Reports/Scores
    • Credit Article of the Week
  • Legal Issues
    • Is There a Lawyer in the House
    • Bankruptcy Q and A
  • Debt Validation
    • While You are In It Debt Validation Q and A
    • Debt Settlement
  • Loans and Banking
    • Obtaining Credit Cards, Auto Loans and Financing
    • Mortgages
    • Student Loans
    • Banking and Finance
  • Non Credit
    • Off Topic
    • Wine

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location


Biography


Interests


Occupation

Found 9 results

  1. So I was trying to find some info on this, so any advice will help.. I had a loan through Nissan and missed a few payments so they closed my account. After talking with them they agreed they won't send it to collections or repo it as long as I make my payments on time, which I have been. They told me they won't open my account back up though. I have a credit score of 592, and still working on improving it.. Is there any way I could possibly refinance the loan or if I could trade it in and have the balance rolled into another loan? The amount left is 14,942$..... Or am I screwed because the acc
  2. Good afternoon, I am working with a friend (I am asking him to post his own information here this week), and had a question about arbitration on vehicle purchase and financing agreements. I am making this post with his permission. My friend bought a car in 2016 and financed through Santander Consumer USA. Later that year, he had the car repossessed. Car was sold, and my friend owned the balance. The debt was then purchased by a company in Missouri. The filed suit last month and my friend answered within the time allowed. Here is my question - I know the government has a dat
  3. Greetings, I need help! I have an auto loan that is in the process of being charged off. The bank (wellsfargo) has been attempting to repossess the vehicle for some time, however I've managed to keep it in my possession. I owe roughly 16k on the vehicle but got WF to agree to a 10k settlement offer. I don't have 10k or the means to gain that money in a lump sum. My credit score is terrible (480) but my personal habits and financial habits have drastically improved since I put myself in this situation. I am attempting to get a 10k loan to pay off the settlement (and get my credit/my consi
  4. Hello, I fell far behind on my bills a few months ago. And was living in my car. While this was happening, the car loan was written off as noncollectable. I am now trying to repair my credit. I've joined the us military and have a steady income. The auto loan provider called me a few days ago and said that they are willing to do a debt settlement at about $7500. I owe ~$10,000 on the car. The car is worth $8000. They also said that they would be willing help me sell the car. Alternatively, they said I can pay them about $350.00 a month until the car is paid off. At this
  5. I took an auto loan in 2014 and have been making monthly payments to the auto loan financing company for over 2 years. In February 2016 I discovered that the financing company has NEVER reported the payments to the 3 CRAs - Experian, TransUnion, and Equifax. I made several calls and they initially denied my findings, but after sending them proof of reports from 2 CSRs they acknowledged that they had never reported any of my payments to the 3 CSRs. In April I wrote them a letter requesting that they " correct what appears to be a mistake" or else I would file a claim against the company
  6. All, thank you for your help in advance and if I've breached any etiquette of the forum, please let me know. Here are the current details on my car loan: Loan Balance: $10,927 Remaining Term: 54 months Current APR: 10.73% Monthly Payment: $255 From what little I understand about financing, this seems bad. I'd like to really clean up my credit so I signed up for Credit Karma to see an estimate of my credit score. According to Transunion, it's 606; according to VantageScore (with which I am unfamiliar), it's 654. I looked under the Recommendations tab in Credit Karma and they are adverti
  7. Hey everyone, Long story short, last year I took on an auto loan through TD Auto Finance at an interest rate of 19%. My monthly payments on the car are around 300, which is easily manageable for me, and I have had no late or missed payments in the last year on the loan. I was contacted by the company I purchased the car through to let me know they can get me a lower interest rate if I refinance by purchasing a newer car. My current loan has around $10,000 left on it, and it's on a car that's currently worth about $5,000 - due to the extremely high interest rate. My main concern at th
  8. I'm wondering if there is a way to predetermine (ballpark) what sort of APR you would qualify for on a used auto loan based on your credit score? I went to my bank, Chase, and was told there is a range on used auto loans between 3.09% to 8+% based on your credit score, however the worker bee there wasn't able to be any more specific than that. I would like to have at least a general idea, before I have my credit pulled only to find out they (or anyone else) can't offer me what I'm looking for. I'm not interested in paying more than 5.5%. MAX. I know they can't tell me definitively before
  9. I live in Washington state and purchased a used vehicle last month. The used car dealership & I sign a contract which is already sold to a local credit union. On the contact I made a $2100 deposit. 500 was on a check, 1000 was cash and 600 was on the debit card. Now the used car dealership gave me a letter that i still owe them 1000 on the down payment and wants proof of payment. How can i prove I paid them in cash?