2018年5月29日 · To answer your bullet points, you need to know your actual FICO scores that's your number one task. Once you know your actual scores then you can talk to a bank or credit union concerning the APR. To explain this my FICO scores are mid to high 700's (754 to 774), my Vantage Scores are 654 (fair) - I have no idea why VS 3.0 scores me as "fair", but no lender I kno

2018年12月12日 · You will lose your original downpayment. There is no way to get that back, unless you sue the other party. So you will need another down payment unfortunately. 3. As far as a replacment on taxes that you paid on the car, the only way you can get that back is, (a) the other person had insurance and (b) the car must be replaced within 30 days.

2020年5月15日 · You have a BK that is less than 2 years old, and also apparently have a repo. That's why you can't get another car loan. Little point in spending $2k on a car that could well be gone from the driveway when you come home one day. Take that $2k and buy a beater to tide you over, as long as it gets you from A to B, that's all the car you need ...

2010年9月14日 · You can usually use the income as household income for the purpose of showing ability to pay debt and expenses in the household. If you have a housing payment of $2000 which you are only responsible for 50% of then the additional income can show where the ability to repay comes from.

2013年1月18日 · Basically you have the cash to buy the car, but that doesnt secure anything for them because you can still do as you please with those funds. all the best, let us know how it goes! In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL

2024年2月14日 · Hello Credit Friends, I have a question regarding which credit card I should use. I have a great vehicle that I've owned for 14 years, and it's paid off. I use this vehicle for camping, fishing, and off-roading, so buying a new truck is not an option for me. The setup I …

2016年4月7日 · You cannot get a secured line of credit using this vehicle as collateral (a "title loan" or anything similar) until you own it with no liens, so that option is out, as is a "refi" since you'll have to qualify for that credit-wise. You cannot simply assign the car note to another person without the lender being involved.

2021年3月13日 · I don't know. If you've never had an auto loan and your credit file is young and thin, I think you'd be hard pressed to get approved for a $70k car (or at least not without putting down a significant down payment). I had a similar young and thin credit profile when I got my car (but with $70k income & no lates) and I was only approved for up to ...

2022年1月9日 · KIA will approve anything that has a social security nr, literally! When I was looking for my first car, and had no auto credit and my cc's were maxed out since I didn't know how things reported etc, (like I paid them off after statement cut) and my credit score was a paltry 550, they approved me with 0$ down, at a 22 or 24% interest rate, and ONLY on a kia optima …

2013年5月9日 · If you want to purchase a car and you don't have a long credit history, you need to come in with a lot more money so that the lender is reassured that you will repay the loan. For example, in your situation, I would think that a minimum of 25% or more on a low dollar type loan would get you started.