kbean Posted July 18, 2003 Report Share Posted July 18, 2003 okay here are my two big questions...my mom works at a dealership and the honda guy called me today to tell me about 1.9% and invoice pricing...on civics.he asked what my tu score was...so i looked i checked with myfico.com and it's 662... he said he would check into it and asked how many accounts i had paid as agreed...here is what is on my report: 1 first premier pays as agreed for 12months never late gas card from 1996 that was charged off now pays as agreed [from dispute] 2 federal student loans totaling 35 g's in deferrment [waiting for consolodation]**** nco collection for 188...i paid this, and got a letter, but tu hasn't updated, should i call ca or tu, or both, or will it even work? a paid collection under the 'accounts' section that looks like it's with the positive trades and has a negative notation [it's not in the collection account section] i am trying to get this removed as it is not mine but TU, and the CA are being difficult**** i have one inquiry from december for car insurance. i have a household card i have just made my second payment on...but the account is not showing up yet (should i call TU, Orchard says they already reported) i have a perkins loan to be consolodated with the others, that I just made my first payment on, but the listing is only with experian [has been in grace] should i call them to ask if they will report to tu??****i am worried that the finance people will recommend a co signer, I make decent money, and have a few concerns about getting the lowest rate. right now i am making the payments on a car that is not in my name!!! my mom said that she would put me on as an authorized user, but will that take a while to show up and would there be a score change immediately? not sure here. any feedback will certainly be helpful. sorry for the book... Link to comment Share on other sites More sharing options...
laura66 Posted July 18, 2003 Report Share Posted July 18, 2003 My husband's friend is finance mgr at a major dealer here; this is what he has told us about the promotional financing rates: Minimum auto FICO score is usually 660, but most of the promotional programs do not allow for ANY negatives. That is not to say you won't get a loan; you just might not get the promotional rate. Link to comment Share on other sites More sharing options...
kbean Posted July 19, 2003 Author Report Share Posted July 19, 2003 i plan on getting the one off of my report, but the nco will stay...the dealer seemed more concerned that i didn't have more open accounts pays as agreed... so i don't know. i guess if he wants to sell the car bad enough, he will figure it out, right? i would love that 1.9... Link to comment Share on other sites More sharing options...
ADSOFT Posted July 19, 2003 Report Share Posted July 19, 2003 kbean,I'm not an expert but how about, taking copies of the checks that your are paying the car with, take a copy of your bank account statement, pay stubs from where you work, and a statement of how long you been working at your present job..... And of course a substantial down payment.I work with the used car industry: All these guys have to show is that they have been working in the same place of 6months, a utility bill and a maybe a bank statement: the're in!!!!!!I hope that helps. 8) 8) 8) Link to comment Share on other sites More sharing options...
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