What score do I need to get a 7% on my car loan

I am in the market for new transportation and I have recently had my credit repaired.
When I started on the Credit Repair Program my score was around the 590 mark and this was around March 2007.
In June 2007 I paid off 4 of my creditors, and I have been on time with the few I still have.
Since completing the program with this company which I was impressed with the job they did.
My wife and I are both on a few accounts together which are in good standing and I am told that has and is helped me also.
My question is I have not pulled my credit since March 2007 and I am wondering what my current score is and what is a good score to be at to get a car loan in the 6-7% range or whatever the going rate is today.
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I cannot estimate what your score might be
You need to get a free credit report now and cancel in less than 30 days and find out yourself.
CARS......AHHHHHH........did that for 12 years. Many credit unions will approve 7% range around a 640-650
the upper tier is 720-740 plus
car finance rate sheet
it on my FICO beacon score page
Here is a car loan rate sheet at a major bank and the acceptable credit scores.
775+ Preferred
25-774 Platinum
724-700 Gold 680-699 Standard
640-679 Standard 2
639-620 Standard 3
Don't submit any deals with beacon credit report fico scores lower than 620

Here is a car loan rate sheet from a major name 2nd tier credit bankCredit scores700+ Super Preferred rates in the
7's 660+ Preferred rates in the 8"s
659-620 Standard rates in the 11's
619-580 Special rates in the 13's
579-560 Regular rates in the 17's
Don't submit any deals with a score lower than 560
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thank you

now if one is not a member of a credit union can one still go to a good credit union and apply for a loan for a car if their score is in the low to mid 600's


1. If I go to free credit report.com and request a copy of my credit report I can cancel in less than 30 days? why would one do that?

2. If I know I am not going to make a move to buy until late summer, maybe even late this year, when would be a good time to go to free credit.com to request a copy of my report?
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our credit union "Accend" in tullahoma tn, will let any one in, that is a senoir citizen. So sign up your granma for 5 bucks, then you sign up then you are in.
go here to get your free credit report and cancel in less than 7 days. If I am not mistaken you get all three bureau scores.
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ok thanks for your help now being that I am in the state of Texas would that prevent me from joining being I am so far away

also if I know I am not going to make a move to buy until late summer, maybe even late this year, when would be a good time to go to free credit.com to request a copy of my report?
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there is a credit union near you
find one
find out how to get in
get in

or take your best shot with a local car dealer
i would recomend having your financing ready before you walk in and ask them if they can beat the rate.
they would have to pull our credit themselves first
then another with whatever bank they send it to.
ask them not to shotgun the deal. They can send it to 2 banks max. that would be 3 inquiries

go to autotrader or cars.com and they have financing
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thanks and I had already planned on joining a credit union and I will look into it for sure

funny you mention cars.com, I have found a couple on those sites I like but I did not think of going through them for financing

and I said a car but it really a truck I am looking to buy between now and the end of this year

thanks again for your help and professionalism and have a good day

Fix my credit 8 credit card charge offs and 120 days late on car lease

I am 23, and am in need of some desperate help to fix my credit. I am 23 and am getting married and I have a credit score of 530. My fiance is an immigrant and has no credit at all, so we have been focusing on fixing mine. I had several collections on my credit as well as like 8 credit cards and a car loan for a lease. The car loan is up in May and was 30 days late 9 times. All of my charge cards have been paid off in full except one that has an 1100 dollar balance and was 120 days late, however I am now caught up. U just opened a secured credit card with a limit of 200 dollars I have had it for almost 6 months and have never been late. I dont realy know what to do I have been working really hard to pay all of this off and my score isnt moving, I cant afford to pay someone to help me, so I was looking on the internet and found your site. If you could give me some advice or tell me what I need to do I would appreciate it
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i would try to open 2 of those old charge cards.
after 12 - 18 and 24 months ask them to report only that past 24 months of your credit on that account since that is normal revolving credit practice.
many times all the old late will be gone and you will have 2 new good rated lines of credit.

something goes for your husband. he is gonna have to get some credit so you can use his income for furture credit needs. get him to try here. of course he will need a social security number and if he is an immigrant he may not have one. he needs some credit and can have a great score in less than 13 months if he can get one of these cards that report to a bureau

everything else should be getting to the 24 months or older point which will helpyor score
IF
you have good new open never late lines of credit that are 12 months old
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Will charge cards typically let you reopen them, and what cards would yousuggest trying to reopen because I only had like one major credit card whichwas a capital one card the others were store cards like jcpenney and kohls Iwas told that instant credit through stores can hurt your credit in the longrun.
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sometimes they will let you open a past account
see what i did here with bp oil
capital one would be the best route
you need 3 open for at least 12 months with no new lates
and all past dues paid. score should jump dramatically
if you cannot pay past dues maybe you will get lucky and
2 years will pass with no trouble and then 7 years with no trouble.
What I have found though is many accounts get sold or collected on within the 7 years period
and bam
there we go again on the 24 months and the 7 years again from date of last activity.

Fallen behind on my car payments. How do I help my credit

I have fallen behind in my car payment. I will be caught up at the end of January. What can I do to improve this? I want to by a house and been working on my credit for two years now. I feel like I have fallen behind.
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talk to the car loan company and ask for help
you may or may not get any help
i sort of doubt it
the best cure is to not be late again for 2 years

Remove 30 days late on my car loan payment

Is there a way to get rid of the 30 day late payments on my credit report? I was reviewing my credit report like you said and I do not think I was as late on my car payments as the car company is saying. I even printed out my payment history with them and it is not clearly evident that I was late nor on time.
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car loans and home loans are the hardest thins to get off your report AFTER they have happened
if you catch them while they are happening, or right after, then many times the installment loan company will make a change.
if you have recipts or bank statements contadicting the entries the company has to take the 30 day late marks off.

it sounds like you have already tried this and it did not work.
so i doubt very seriously that you will be able to get these removed.
the best thing to do about this it to get it all 2 years or more behind you and keep good rated, reported credit going.
if you keep good credit open, when 2 years pass the 30 day late marks will have little or no effect on your credit rating

credit is real and sometimes it is best to learn and go on.
you can dispute these items with a free dispute, but ou have already called them directly. So the chance of anything different happening is very slim

on other suggestion would be to pay the loan off as quick as possible.
the quicker you can start the date of last activity on that account the quicker the account will be gone off your report.
as it stands your report will continue to show you were 30 days late for seven years after you pay off the account in full

collection credit card paid in full every month. car home loan

a 2nd year resident who will be going for my citizenship this summer and of course am working on my credit. I am originally canadian and worked in the usvi and had a cell phone through sprint. When i got transferred back to canada and they didn't provide the cell phone service there it was agreed that they would keep my deposit and close my account. Well you can guess what happened they kept my money and did not close my account. So almost 5 years later and now back in the usa upon purchasing a vehicle I learned this was on my account still. I contacted sprint and they assured me that this was no fault of mine that the account hadn't been closed and it even stated this in their notes they even gave me copies of the notes left in their system that states that I owe nothing. So 2 collection agencies later from being sold from one to the other I called them and shared that information with them, they weren't interested and stated I had to pay or it would remain on, i even disputed it through credit inform twice and they stated that it was to still be paid with a balance of $224 I told them my concern of paying this again and it not being removed they told me they would post this as satisfied on my credit if I paid it again and stated that the letter would come at the end of paying it and they couldn't agree to having it removed from my account. I didn't get a good feeling from the conversation and this being my first time going through collections on my credit I am worried, I am uncertain what to do at this point and don't want to pay again if I am going to get screwed. I also have plans on purchasing a house as well now in texas and need to get my score up. I have had my limit on my credit card increased from $300-$2750 in less than 18 months due to paying my full limit off every month. Do you have any ideas to get my score up as high as possible by summer so I can purchase a home. Each report shows anywhere from 568-613 at this point everything has always been paid in full before due is it because i haven't had credit for a full two years yet or is it due to the balance on my car loan.

Please help me with this collections issue as well as increasing my score.
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use debt validation and pay
negotiate before you pay if possible
ask for paid as agreed and paid in full


pay off anything past due or owed
30 days late, collections
on my credit report
ask for help
reopen credit past bad credit card collection charge off accounts

after 24 months ask for updated to "past 24 months only"

How do I get 30 day late payments on my car loan off my credit report

Is there a way to get rid of the 30 day late payments on my credit report? I was reviewing my credit report like you said and I do not think I was as late on my car payments as the car company is saying. I even printed out my payment history with them and it is not clearly evident that I was late nor on time. Do you have any suggestions?
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car loans and home loans are the hardest thinsg to get off my credit report AFTER.
While im in active, 30 days, 60 days, 90 days late after, most installment loan company will make a change.
if i have recipts or bank statements contradicting my credit report

it sounds like you have already tried this and it did not work.
so i doubt very seriously that you will be able to get these removed.
the best thing to do about this it to get it all 2 years or more behind you and keep good rated, reported credit going.
if you keep good credit open, when 2 years pass the 30 day late marks will have little or no effect on your credit rating

credit is real and sometimes it is best to learn and go on.
you can dispute these items with a free dispute, but ou have already called them directly. So the chance of anything different happening is very slim

on other suggestion would be to pay the loan off as quick as possible.
the quicker you can start the date of last activity on that account the quicker the account will be gone off your report.
as it stands your report will continue to show you were 30 days late for seven years after you pay off the account in full.

Repo car. Now the collection agency says they will sue me

i've been dealing with a collectin agency called trilogy in san diego, ca
they claim i owe $12,000 on a car that was repossed in 2005, they claim they cut the price down to $7,500, provided that i make payments of $50.00 or more, but they won't tell me how much my carsold for... claimng if i protest the offer they gave me, than the original creditor will back out the deal and go for the original $12,000... i've been making payments but they are not reporting to the credit bueraus, i have not signed anything and i'm afraid if i dont't make a payment they will garnish my wages... i filed chapter 7 bancruptcy in 2002they have a noose around my neck what do i do???
please help, i'm a pisces too...lol
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i guess the car was a 40,000 plus dollar car or you were 12,000 upside down.
because they can only sue you for the difference in the selling price and what you owed them
when you repo a car you sell it and the difference is all that can be sured for.
you could be facing a judgment if you do not pay
but make sure you are paying a fiar price
ask for the copy of the bill of sale at auction after the repo
and how much you owed them

i would validate the debt
they may being trying to presure you into paying too much

the account was not included in your BK I assume
since you said it was repo
if included in bk. They can not sue you
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every time i ask,they threaten to back out and go for the 12,000!!!
the car was a 2001 honda accord sale price $18,000 intrest and finance jacked it up to $27,000 i paid a $450.00 car note for 3 1/2 yrs when they picked it up i owed $17,000!!!!
this is the collection agency i'm dealing with and they know i've already filed bancruptcy they have me in a noose... they claim the client is being nice by dropping the price to $7,500 and if i challange them they, will go for the $12,000!!! can thy do that???
do i have to pay...all i know is what they tell me,and i've been warned not to contact the lender or else.... is there an agency that monitors collection agency practices in california?
i 've neversigned anything with this agency, i just started sending them money every month, did that hurt me? i'm only 30 yrs old and a single mother, my only source of income is my job..what can i do??
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no this car was purchased after my bancruptcy discharged. so they really have me.
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sounds to me like they are hiding someting
contact the original lender FOR SURE
find out if the company charged off the debt on their books, if so a collection compnay can not sue for the rest as the debt was already used as a tax write of for the original creditor
validate the debt FOR SURE
contact your state atorney general FOR SURE

They can not sure your for the contract price
only the difference in what you owed and what they sold the car for.
AND
once they have accepted a lesser fee or payment plan
in tn. i don't know about cal
they can not sue you for the whole shebang
so they are bluffing.

your cal state atorney general monitors these guys
and the FTC


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Score not high enough for a car lease approval.

The small print for a car lease requires a Beacon score of 740. Even with excellent credit almost no one meets this. Do you think that this is bait and switch?
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I sold cars for years.
Leases are like a 2 yr rental
The compnay always owns the car.
It requires more trust and therefor higher scores.
Of course it is a bait and switch. Almost all SALES are.

But alas all is good.
YOU DO NOT WANT TO LEASE A CAR

Here is some not asked for money advice to carry for life
buy a used car and keep it for 10 years
remember that
buy a used car and keep it for 10 years

This one approach will save a houshold more money than almost any one but of money advice that can be given
I use it.

You know what my boss used to tell me. Owner of a dealership for 20 years.
Buying new cars is for dummies. Smart people buy used cars.

Cosignor, Bankruptcy, Car loan

I had a joint Mazda car loan with a guy in 1998. He has filed bankruptcy on the car and is out of the bankruptcy. Is there a way for me to have this removed based on his bankruptcy if not what should I do in this case? Keep in mind he is not cooperating with me to help.
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If you cosigned it will show on your account
if it is from 98 it should be about off and you have new good credit anyway.
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He co-signed for me. Is there a route you would suggest I take to handle this.
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Use my dispute form
say it is not yours
http://www.oskie.com/credit-dispute.htm