You still on the same tier, that's around the same "ballpark"...lol it's a big ballpark! ROFL

 

Ya it's pretty big ballpark indeed. Hope they lower the rate before my car is delivered........

 

Yeah, honest though, I don't see the 09s leasing as good as the 08s did last year. So many automakers have adjusted their residual values this January, its starting to look like the $300-$400 leases are a thing of the past.

 

I meant the APR offer, I am not doing leasing

 

That's prime, you'll be good for most loans.

 

Thanks. I also had a student loan paid off already with like 6 years of credit card, no late no nothing so should be ok...

 

Yeah, I got into Teir 2 with a 679. I have some dings from 6 years ago, damn CC companies and giving out cards to 18 yr olds. I was good with it at first, then went a little crazy modifying this baby.

 

Trying to make up for something Graham?

 

Was at the dealer yesterday signing the papers on another one they told me they look at fico and equifax

 

My GF has never had any complaints in bed going on 2 years now.

 

Shes not going to tell you to your face. She rolls over and giggles.

 

I picked up my car today at the Infiniti of Santa Monica, and were using the Equifax score.

 

IFS called me back today and actually they told me they use something called Transunion Auto which pulled up a really ****ty score for me 675 (750 in normal transunion) so they told me I wouldn't qualify for tier 01, which in turn I told them thank you for your time and hung up. No way with a 727-750 between all 3 am I coming up at a 675.

I know there is a normal transunion but she said it was transunion auto.

Either way when I told them thank you for your time and hung up the phone. About 10 mins later she called back and she said she was going to "check with her manager" in the morning about what could be done. I wont hold my breath, it was just to keep me interested.

Have you guys heard this transunion auto thing?

 

All the auto ficos use the highest of the 3. If they don't they are trying to bump your rate. I've been told this by friends who work in the industry.

They are less strict on cars.