 Advice on a loan? |
| hi, im currently paying off a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a high income and im struggling with the repayments. im paying something like 120 a month. can someone ... |
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 After I pay off 3 credit cards should I close them or keep them open? I want to build more credit.? |
| I was unemployed for a while and wasn't able to keep up with payments so now my credit is not great. I have 2 cards that have been closed but I have been given assistance by the creditors to ... |
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 Credit Cards? How do I get my own credit card? |
| Today I found out that my credit score is 770. The reasons why my credit score is high is because my parents co signed ro me to get a car loan. I also have a credit card but my parents also have the ... |
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 How can I get rid of $30,000 in debt easiest? |
| I owe 30k and absolutely do not want to file bankruptcy. I can afford to pay $900 per month but the balance just will not go down. They will not lower my interest rate either. I am skrued?... |
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 Medical bill - What happens if i just don't pay? |
| My wife went to the emergency room. We have insurance with a high co-pay. We own a home and don't plan on buying another one any time soon. We have enough cash to pay the bill, some in my ... |
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 How do I get my name off a co-signed car loan? |
| I co-signed on a car loan right before I separated from my husband and later divorced. He has a Ford Explorer of which he hasn't made the payment on for the last 4 1/2 months. No one will allow ... |
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 Will my bad credit affect my hubby's good credit when he tries to refinance his mortage? |
| I have bad credit, My hubby has great credit. He is looking to refinance a home he purchased before he got married to me and wants us to apply for a refinance loan together, I'm scared that this ... |
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 Debt - What should I do??? |
| I am a 21 year old college student with about 9000 in credit card debt. I lost my job for a while and fell way behind on all my bills - now I have collection agencies calling me all the time and ... |
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 My daughter-in-law took out credit cards in our names but refuses to confess, what do I do? |
| I have reported to the credit card companies but it's been seven months and nothing has happened yet. I told them it was her and we have reported it to the police but I still don't know ... |
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 Why the heck?! (Credit Report question)? |
| I have had a capital one card for years now, it only has a $500 limit w/ a high intrest rate and I have NEVER been late on it. After significantly improving my credit (years of work) I applied for ... |
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 Who should I go to refinance my house if my credit score is 535.? |
| my credit is 535 my first loan is 148000 and second for 42000 and I need to pay some credit cards for 12000 my house is worth 253000 and I make about 3000 a month. Do you know of any companies or ... |
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 How to apply for a credit card? |
ok... so i have a few questions about credit card....
1. what is the difference between a visa and a master card?
2. can i apply a credit/master card if i have no job?
... |
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 What happens if I stop paying my credit card entirely? |
No BS here
We're severly in debt after my wife quit work to have our children be a stay at home mom 5 years ago. I work 2 jobs but its not enought. She has few job skils at any rate
T... |
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 If you pay of a credit card, and then get a refund, what happens? |
| So I have a credit card with a fairly high APR with a $200 balance on it. If I pay it off completely, and then end up getting that money refunded to me, what happens to my account? does it make my ... |
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 Is it illegal to charge a consumer more more if he or she would prefer to use a visa/mastercard over cash? |
I work for a company who has independent contractors that are always trying to get our customers to pay with cash vs. credit. I am wondering if this practice is illegal.
Our company ... |
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 Could my wife be affected if i file bankruptcy? |
| We don't share any credit card and checking accounts, and the propety doesn't has my name on it.... |
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 Do I need a credit card? |
| I just graduated from a graduate program. I have never had an actual credit card, just a bank account with a credit/debit card. My BF told me I needed to get a credit card to establish my credit to ... |
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iceman | Has anyone ever had a car saleman lie to them about their credit score? |
I'm not sure how commen this is. I am 100% sure that all 3 of my credit scores are over 720. Just checked in online today, plus my mortage broker showed me the reports a few weeks ago when he pulled it. When they ran my credit yesterday at the car dealrship I was told my score were in the mid 600s and was going to have to pay a additonal premium. i told him thats not possible and that my mortgage broker just ran the scores and they in the 700s. He put on hold for 5 mins and then said his "manager" said they could waive the fee..
Did this not sound like complete a rip off to you? Is this commen.
Additional Details
Of course i know car salesmen are lying pricks. I just didnt they they messed with people about there credit scores. Seems that it would be to easy for them to get in trouble over that. |
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j c
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It is common. He didn't give you an exact score, did he? They are very sneaky with their tactics! Check out Daveramesy.com, he has some interesting tips on buying a car! |
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Mountain Top
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Have you ever heard of a car salesman who tells the truth ?
Get your own financing, not at the dealership - unless it's one of those subsidized loans by the manufacturer for a new or certified used car.
They were just trying to make a few extra bucks. |
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SPIFIMAN1
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Actually Iceman under the Federal Privacy Act it's illegal for a sales person to even know your score, interest rate or monthly payments.
These are only disclosed once you are at the dealership and they have verified that you are who you say you are.
As you know the credit bureaus that dealers and auto lenders are not the same as the ones you get on line or that mortgage companies look at. Dealers and auto lenders see the "Auto enhanced" versions which are normally better for the customer because they are weighted in favor of your installment credit, so if anything your scores should have been higher not lower.
Don't believe anything a sales person tells you, only talk to the Finance Manager about such things. They are the only ones that can legally discuss this with you.
O.B.T.W. I have never lied to one of my customers. |
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Cowboy_Bebop
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I have to agree with what everyone's saying, he just wanted to make some extra money on top for himself. What a prick. |
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Dew
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well I work at a car dealership in Ohio and well anything is possible.We do have Great Salesmen where I work at But I am just the Secretary and cashier.I am sure it is Possible ,You best best is to always have a copy of your credit score updated before you walk into a Dealership. |
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The First Lady
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Of course he lied.
What else is new?
It's been done before - it's been done to you - and it will be done again. |
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hazeltine4
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WHAT??? A car salesman lie???
Of course it was a scam. I would have told them No Thank You after they said they would waive the fee. They proved they are liars, and I would not have given them my business.
They will add on fees everywhere they can. I even tell them to not put the dealer nameplate on the car. They charge you for it, and you are paying them to advertise for them! |
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buttsnake
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Dont think its happend to me.
But I would not put that past any car salesmen.
How much was the premium they were going to charge? |
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Dewey K
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When dealing with a car salesman it's best to follow the old saying: "If their lips are moving, they are lying".
You should have a copy of your own credit report and score BEFORE going in. Here is where you can get it:
http://1-800BadCredit.com |
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donpattaya
 |
Do you Thaiswai Resident Condo?
You can look in http://www.thaiswai-resident.com |
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nimisisprime
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Ice man i am not ion his side but i work in mortgage and i can tell you that having your credit pulled many time in a short period in different industries Will drop your scores significantly,
i say this because the federal government has a rule that has to be fallowed by all the agencies used for credit polling it goes as fallows,
any credit pull inside the same industry will effect your score once every 15 days, at that time your score will recover but not until 15days after the original pull non effective period expires, so 30 days, before you get the lost points back
each pull may effect your score as much as 15 points, per applicable industry,
this means that if in a 30day period you have your mortgage broker pull your scores, You may lose up to 10 points, Then you have a car dealer pull the next week, you may lose up to 10 more points, and then a personal pull (weather they tell you or not ) may effect you with an additional 10 points, because that's 3 different industries pulling your credit, and you have lost 30points I.E. a 720 score drops to a 690,
so taking that into consideration wait 30-45 days prior to purchasing your vehicle, and your scores will have recovered and you should be fine :) |
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Cali Girl
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I am sure they lie, but to charge you an additional charge? They couldn't do that even if they wanted to. I would have asked to see my score.
I ran my credit on friday and went on sunday to get a new car. The dealer that ran my credit told me that it was higher by 9 point for the time I ran it. So, I don't think that they go up of down as fast as the sales man claimed |
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