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Credit Scores and Vehicle Financing

935 messages,  Last post on Jul 28, 2009 at 1:12 PM

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#678 of 935 Re: High income, fair credit, little credit history [zoltar] by joel0622 Mar 17, 2008 (2:05 pm)
Replying to: zoltar (Mar 17, 2008 12:55 pm) My income is good around 200K, and I wanted to put down around 10K and finance around 13-6K   If you are buying from a dealer they would have banks fighting for that paper.
#679 of 935 Re: High income, fair credit, little credit history [zoltar] by volvomax Mar 18, 2008 (9:04 am)
Replying to: zoltar (Mar 17, 2008 12:55 pm) Joel is right. GO to the dealer,let them get you done. TMCC would probably buy you in a heartbeat.
#680 of 935 have credit scores gone up by nj2pa2nc Apr 04, 2008 (2:51 am)
just wondering. I checked my annual free credit report and then paid to get my credit score. I used trans-union and it said my credit score is 920. I did not know it went that high. Replies to this message: fezo (Apr 04, 2008 10:37 am) volvomax (Apr 04, 2008 11:05 am) nj2pa2nc (Apr 04, 2008 12:07 pm) isellhondas (Apr 04, 2008 1:52 pm) dapun (Apr 04, 2008 4:27 pm) joel0622 (Apr 04, 2008 5:23 pm) lemko (Apr 07, 2008 5:12 am) fezo (Apr 07, 2008 5:58 am) fordfool (Apr 07, 2008 4:30 pm) joel0622 (Apr 11, 2008 10:59 am) and 2 more...
#681 of 935 Re: have credit scores gone up [nj2pa2nc] by fezo Apr 04, 2008 (10:37 am)
Replying to: nj2pa2nc (Apr 04, 2008 2:51 am) That's a new one to me. I'm sure one of the guys will know.   I know the three different agencies have different ranges but I thought they only went up into the 800s.   They will be ready to sell you anything you want!
#682 of 935 Re: have credit scores gone up [nj2pa2nc] by volvomax Apr 04, 2008 (11:05 am)
Replying to: nj2pa2nc (Apr 04, 2008 2:51 am) FAIK, the ISSAC score doesn't go that high. Some bureau co's have their own mickey mouse scores,which the banks don't use. See what your Auto score is. Replies to this message: nj2pa2nc (Apr 04, 2008 12:07 pm)
#683 of 935 Re: have credit scores gone up [volvomax] by nj2pa2nc Apr 04, 2008 (12:07 pm)
Replying to: volvomax (Apr 04, 2008 11:05 am) I tried TransUnion just to get my annual free credit report. I then thought I would splurge and spend the $7.99 to get my credit score. The last time I checked it was 755. Maybe you can check it out and find out what you get.
#684 of 935 Re: have credit scores gone up [nj2pa2nc] by isellhondas Apr 04, 2008 (1:52 pm)
Replying to: nj2pa2nc (Apr 04, 2008 2:51 am) No such number.   850 is the highest they go.
#685 of 935 Re: have credit scores gone up [nj2pa2nc] by dapun Apr 04, 2008 (4:27 pm)
Replying to: nj2pa2nc (Apr 04, 2008 2:51 am) What you got is what's called a VantageScore. It's basically a new way to report scores that was created to rival FICO for a chunk of the credit business. Their scores range from 501-990. Wikipedia it. At 920, you're doing pretty good. I forget what I got. Replies to this message: joel0622 (Apr 04, 2008 5:23 pm) lemko (Apr 07, 2008 5:12 am) fezo (Apr 07, 2008 5:58 am) fordfool (Apr 07, 2008 4:30 pm) joel0622 (Apr 11, 2008 10:59 am) fordfool (Apr 12, 2008 2:52 pm) and 1 more...
#686 of 935 Re: have credit scores gone up [dapun] by joel0622 Apr 04, 2008 (5:23 pm)
Replying to: dapun (Apr 04, 2008 4:27 pm) That is correct, it is just some one else trying to get a piece of the pie.   In my opinion the entire credit scoring system is predatory and needs to be looked at. There is no rhyme or reason to it.  Credit scores are nothing more then a license for banks to print money.
#687 of 935 Re: have credit scores gone up [dapun] by lemko Apr 07, 2008 (5:12 am)
Replying to: dapun (Apr 04, 2008 4:27 pm) Before I purchased my new Cadillac, I ran my credit to to avoid an embarrassing situation if anything was amiss. I got a ridiculous score of 985 or "superprime!" I guess it must've been that scoring system you just explained.   When I bought my house several years ago, I had scores like 820 and 799 on the other systems. Replies to this message: fezo (Apr 07, 2008 5:58 am)

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