Quote:
Originally Posted by Turbowned
I wanna know what got me to drop 100 points in 4 months!!! That's friggin' ridiculous. I know I can afford the car; I would never have wasted anyone's time if I hadn't run the scenario a hundred times and made sure all my finances were in order. So aggravating.
|
Hey Turbowned. I was in the same spot as you. I bartend and pay for everything in cash so I hadn't built up a sufficient credit history. I did have a co-signer but despite their solid score, they didn't have a history either. Knowing my car was coming I got desperate.
I went to equifax, transunion, and experian and ordered up credit reports, and then looked at my credit history. There were a few things on there that were old and paid, but still linger around on your credit score. I started contacting people and getting them to agree to contact the credit reporters getting items wiped off my list. There were 1 or 2 items there that I paid out of pocket with a check by phone, but before I did that I got the people to agree to write letters to get it removed from my credit report as well.
Within four days my credit score jumped nearly 100 points, and while the credit unions wouldn't give me a loan for the full ammount of 28k, Scion did. They also went with another bank and got me a rate lower than the 3.05% that scion offers.
It may not be as easy as walking in and signing paperwork and driving that day, but it's still possible.