So I ended up not buying a CTS for teh wife...Got this instead ***PICS***

[digimon7068]

Too bad the highest possible fico score you can have is 850.


Just sayin'

i don't know wtf a fico score is...i only know what my bank guy shows me...our reports from transunion, equifax and somebody else (don't remember)...each company has their own scoring method and our lender takes the three scores and combines then interprets them somehow...he also said that most people with scores like ours are 60+ years old.

 

[digimon7068]

If you finance below the going interest rate for your FICO (to include in teh infamous scam of the century 0% financing) you're getting it put to you dry on the front end of the deal.

Car manufactures and dealerships aren't in business of loaning free or next to free money.

You're welcum for that financial advice.




PICK3 doesn't knot have a Master's in Forensic Taxation

my financing is through bank of america...and, over the years i've had about a hundred new car dealer clients...one of the firms that i worked for was the administrator for the dealer advertising association for the entire east coast...we regularly did semianrs for our dealer clients and we were intimately aware of all the ways that they make money on new (and used) cars...i'm aware of the floor plan assistance and advertising assistance and all the other little kickers that they get from the manufacturer when the car finally leaves the lot...and, i use that information to my advantage when i'm buying a new car...does the dealer still make some money?? well, sure they do! they have to, for chrissakes or they won't be there the next time i go to buy a car...but, i assure you, i'm not taking it in the ass. and as far as the interest rate is concerned?? you can check bankrate.com and make sure they're not playing games with that (i'm also aware of the games that you can play with that too)...and i don't have a masters in forensic taxation either...it's just a masters in taxation

 

[digimon7068]

Busted!

not tr00..each credit bureau has their own scoring system...plus there's the vantage system that goes from 501 to 990...jus' sayin'.

 

[miplank]

not tr00..each credit bureau has their own scoring system...plus there's the vantage system that goes from 501 to 990...jus' sayin'.

Lenders use fico as well as efx, exp, and tu.

 

[miplank]

i don't know wtf a fico score is...i only know what my bank guy shows me...our reports from transunion, equifax and somebody else (don't remember)...each company has their own scoring method and our lender takes the three scores and combines then interprets them somehow...he also said that most people with scores like ours are 60+ years old.

Also, your bank guy can get in trouble for showing you your credit that he pulled. Knot allowed to do that.


Plus, what kind of shady banker are you using thatuses the advantage scoring model? That is the score you typically get when you get suckered into paying for a credit report from some of those websites.

 

[PICK3]

my financing is through bank of america...and, over the years i've had about a hundred new car dealer clients...one of the firms that i worked for was the administrator for the dealer advertising association for the entire east coast...we regularly did semianrs for our dealer clients and we were intimately aware of all the ways that they make money on new (and used) cars...i'm aware of the floor plan assistance and advertising assistance and all the other little kickers that they get from the manufacturer when the car finally leaves the lot...and, i use that information to my advantage when i'm buying a new car...does the dealer still make some money?? well, sure they do! they have to, for chrissakes or they won't be there the next time i go to buy a car...but, i assure you, i'm not taking it in the ass. and as far as the interest rate is concerned?? you can check bankrate.com and make sure they're not playing games with that (i'm also aware of the games that you can play with that too)...and i don't have a masters in forensic taxation either...it's just a masters in taxation

So, PICK3 = p'wnt?

 

[pdaddyII]

too bad the highest possible fico score you can have is 850.


Just sayin'

*fico

 

[pdaddyII]

Also, your bank guy can get in trouble for showing you your credit that he pulled. Knot allowed to do that.


Plus, what kind of shady banker are you using thatuses the advantage scoring model? That is the score you typically get when you get suckered into paying for a credit report from some of those websites.

* that uses

 

[pdaddyII]

lenders use fico as well as efx, exp, and tu.

*fico, efx, exp, tu

 

[pdaddyII]

nah, just curious as to what you got.


half ton?

*what you have