Last post on Apr 01, 2013 at 9:05 AM
You are in the Toyota Tundra
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Toyota Tundra, Truck
Jul 23, 2007 (2:01 pm)
i went to bank of america online site to fill out a pre-aproved auto loan app. i was denied like 2 seconds after i hit the enter key on my keyboard. i called them and they say because i have not used credit in almost 7 years the enhanced auto bureau credit request that they pulled would not rate me. they also say that i would get a very high interest rate because i have not used credit in so long. they said i had what is called DORMANT credit. what in the world should i do. i have worked my but off to pay of the things on my credit report and i saved and bought everything in cash. i do not even open credit card offers. they go straight to the trash. i pulled my credit report and it says i have a 708 beacon score. what is going on. i was shocked to hear this info. is it true and how do i get around the high interest rate just because i have not bought things on credit for a long time. i am in the market for a 2007 toyota tundra. PLEASE HELP........
#1879 of 1986 Re: credit shocker [quest67277]
Jul 23, 2007 (4:34 pm)
Very surprising. I've heard of people who have had their car ins sky rocket when the ins companies started using credit history as a factor. These are the same people as yourself who just have never had to borrow money. Kind of ironic isn't it?
All I could say is to shop around for financing. Others here who are more familiar with financing may be able to help. I'd suggest to get a credit card with no anual fee, which I'm sure you would pay off each month.
#1880 of 1986 PO 430 error code.
Jul 23, 2007 (5:15 am)
Morning all, po430 code on a 03Tundra, Any best location where to look it up exactly for my vehicle??
#1881 of 1986 Re: credit shocker [quest67277]
Jul 24, 2007 (12:51 pm)
I never use credit either but I just wrote a check for the Tundra. Talk to Toyota finance guys at your dealer if you have not done so.
#1882 of 1986 Re: credit shocker [quest67277]
Jul 24, 2007 (1:07 pm)
Welcome to the wild world of credit. Where NOT using it is worse than a bankruptcy by many standards. Try another lender, some have different requirements. Your beacon score isn't all that bad so it's just a credit history issue. You'll probably need to visit a local bank and speak with a human that makes decisions.
#1883 of 1986 Broken window latch
Jul 24, 2007 (4:05 pm)
Just bought a 2002 tundra access cab, and the passenger side rear window latch broke a couple of days after I got it. Besides going to the dealer to get a replacement (about $30) is there another place I might check? I've looked online, haven't been able to find anything, nothing on ebay either. Thanks!
#1884 of 1986 Re: Broken window latch [idntnvu]
Jul 24, 2007 (5:52 pm)
Unfortunately this is only the beginning of your problems...
#1885 of 1986 Re: Broken window latch [idntnvu]
Jul 24, 2007 (6:18 pm)
http://www.taprecycling.net/ is a pretty good source for used Toyota parts. I haven't bought anything from them in probably ten years....but that's where I'd look if I needed something pricey. Of course, I'm not sure you could beat $30 by the time it gets shipped to you. Might as well go with a new part.
#1886 of 1986 Re: Broken window latch [12ozcurls]
Jul 25, 2007 (8:23 pm)
Well, I've read up on some of the Tundra issues...appears that this one has had all the recalls and fixes done to it, but I'll be cautiously optimistic. The way I look at it, it's gotta be better than what I had.
#1887 of 1986 Re: Broken window latch [sebring95]
Jul 25, 2007 (8:51 pm)
Thanks for the info, I checked them out, sent them a description of what i need, hopefully I'll get a quote today. Thanks again!