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Additional Details
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Rashelle | Credit Score Anyone??? |
I am soon to be 21 and I have a 770 credit score. Is that good? Will I be able to finance the entire price of a car??? |
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bella_4624_19
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yes that is a good score and you should be able to finance a car, within your budget. just because you have a good credit score, it does not mean you can get any car you want. along with credit score, lenders look at debt to income ratio.
you have a good score! don't screw it up but financing something you can't actually afford. |
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jititi j
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yes...its good..
Credit Score
http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html |
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Heatmizer
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770 is a very strong score... FICO scores can range from 350-850, anything over 750 is the very top (best) group of people to be in.... Congrats |
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Johnsmatrix
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Yes that score is wonderful but it will still be determined by how much credit history you have. You should not have a problem getting great financing though.
Good Luck |
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gamemanual
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yep shore can. if you have a job. |
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Freddie
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It's an excellent score which will help you qualify for a good rate. The other important factor will be if you have any other debts that you are currently paying: credit card balances, student loans, personal loans, etc. If you have any of these other payments and the car payment in addition causes your debts payments to be over a set percentage of your income, then you may not get approval for the full amount you desire.
On top of this, financing the entire price of the car may not be such a good idea for a couple reasons. You will have a greater payment every month. What if something happens to your income and you are unable to meet these payments? Cars begin to depreciate or lose value the instant you purchase them. When you finance your full purchase amount, you increase your risk of being "upside-down" in your car loan. This happens when you owe more money for the car loan than the car is actually worth. Some banks will require you to get additional insurance to cover the gap between car value and replacement cost. If you go to trade it in a couple years, you might find out that you are still upside-down. Then you will have to add the difference between the value of your trade-in and your payoff amount on the car to your new car loan, which continues the possibility that your car will always be worth less as an asset than you are actually paying for it.
I would look into what it would cost to purchase a slightly older model of the car that interests you. If the body design has not changed, you may be able to get an excellent looking car for much less money. Drive that for a couple years with significantly lower payments, while setting aside money to make a down payment on a newer or better car. |
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charte
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Girl go on wit yo bad self! That's wonderfull you can do big things with that high credit score! keep it up! |
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Freakie
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yup... that is really good credit.. my score was like 730 when i got a car last year and was 21. good job. |
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nora7142@verizon.net
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yes very good yes |
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asreid14
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720 and above should qualify anyone for the best rates on loans |
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wag35
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yes that is very good, but your income:debt to ratio factor will also be consider in the financing. |
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jamie_brahan
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It's not 770. It take years to get that high.... Many Years..I am retired, with ove |
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CLF
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great score |
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David S
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I don't even know what my credit score is. I paid cash for my house and my truck. Everybody's trying to get me to take a loan from them, but I don't need the money. I'm not really all that rich. I just know how to save up money so that I can get what I need without going into debt. And I don't eat out; I cook. I don't watch movies; I read books. Before long I'll be growing most of my food, and, after that, I might be selling my excess. I guess I'd be a good credit risk. The thing is, I don't want no creditor's stinking money. |
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sassyme...
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Yes. that's an excellent score, u wouldn't even need a down payment, good for you!! |
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misslabeled
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You shouldn't have any problem. Keep up the good work. |
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