freeatlastt Posted December 3, 2007 Report Share Posted December 3, 2007 I have been in the process of cleaning up my credit and need to buy a vehicle soon. Should I wait a while longer till my scores are better or is 615 a decent Fico score for a decent interest rate? Link to comment Share on other sites More sharing options...
lovebug5 Posted December 4, 2007 Report Share Posted December 4, 2007 I have been in the process of cleaning up my credit and need to buy a vehicle soon. Should I wait a while longer till my scores are better or is 615 a decent Fico score for a decent interest rate?You have three FICO scores, one from each bureau. Are you aware of what all three scores are? Lenders pull from different bureaus, so the answer may be different depending on what lender you are thinking of going with... Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 4, 2007 Report Share Posted December 4, 2007 It all depends on what you mean by "decent"...If you mean anything lower than 7%, shoot for a 675 or above (IMHO). Link to comment Share on other sites More sharing options...
merkurfan Posted December 6, 2007 Report Share Posted December 6, 2007 I was at 679 and all I was able to pull was 12% on a used 06.I got dad interested in heading down to the navy federal credit union. They have crazy low rates for auto loans. Catch is, you gotta be navy, or related to navy that is a account holder to get in.I finely hooked dad when he saw their mortgage rates Link to comment Share on other sites More sharing options...
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