What's your credit rating?
Senior Member
Joined: Jan 2001
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above 850 is rare, i've seen 865, 700 is an automatic approval.. my last customers were 838 each.. very 
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read my previous post.. having inquries for reason whether they are excessive or not (and when buying a house they can get excessive) is viewed in the lenders eyes as ok and they wont hold it against you, even when your score reflects them...
...read my previous post.. having inquries for reason whether they are excessive or not (and when buying a house they can get excessive) is viewed in the lenders eyes as ok and they wont hold it against you, even when your score reflects them...
Senior Member
Joined: Jan 2001
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Originally posted by nevets
when i tried to test drive the Evo, they checked my credit and said it was good but i would need a co-signer since i was a first time buyer. in other words, i dont know what my rating is.
h:
when i tried to test drive the Evo, they checked my credit and said it was good but i would need a co-signer since i was a first time buyer. in other words, i dont know what my rating is.
h:
Senior Member
Joined: Jan 2001
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Originally posted by rich
above 700 doesnt always guarantee approval for a loan. there are other factors such as existing debt, income, and stability (employment and residence).
above 700 doesnt always guarantee approval for a loan. there are other factors such as existing debt, income, and stability (employment and residence).
Large Member
Joined: Oct 2000
Posts: 4,735
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From: Bay Area, CA
Paid off three two car loans early.
Paid off one personal unsecured loan early.
Paid off three credit cards.
Have $33000 in credit available, only $2000 used.
Never been late on a payment.
My rating was somewhere in mid 800's if I remember correctly.
Paid off one personal unsecured loan early.
Paid off three credit cards.
Have $33000 in credit available, only $2000 used.
Never been late on a payment.
My rating was somewhere in mid 800's if I remember correctly.
pukimonster
Joined: Jun 2002
Posts: 9,967
Likes: 2
From: Milwaukee, WI
Originally posted by WildPenis
Originally posted by dom93hatch
I forgot the website to check it... You gotta pay something like $12 to check. Anyway, my rating is 750.
I forgot the website to check it... You gotta pay something like $12 to check. Anyway, my rating is 750.
Senior Member
Joined: Jan 2001
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RIP Woong.
Joined: May 2000
Posts: 17,284
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From: san jose, ca
Originally posted by Tirodēslc
for an auto loan.. banks and CUs in utah consider it an automatic approval.. most of them have computers that take the score in and throw out an approval basis.. if its a 700 its an automatic approval.. of course their debt to income could limit their payment.. but they still get the best rate
for an auto loan.. banks and CUs in utah consider it an automatic approval.. most of them have computers that take the score in and throw out an approval basis.. if its a 700 its an automatic approval.. of course their debt to income could limit their payment.. but they still get the best rate
he makes $55k, has $7k in unsecured credit card debt, $10k in student loans, has no collateral (like a house), has worked at his current job for 2 months, and keeps changing apartments every month, with rent at $800/month.
does that look OK to a bank?
reason why i brought this up is because i know several people with credit scores above 700, who either didn't get approved or received less than ideal interest rates.
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Senior Member
Joined: Jan 2001
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Originally posted by rich
let's say john doe has a 730 rating.
he makes $55k, has $7k in unsecured credit card debt, $10k in student loans, has no collateral (like a house), has worked at his current job for 2 months, and keeps changing apartments every month, with rent at $800/month.
does that look OK to a bank?
reason why i brought this up is because i know several people with credit scores above 700, who either didn't get approved or received less than ideal interest rates.
let's say john doe has a 730 rating.
he makes $55k, has $7k in unsecured credit card debt, $10k in student loans, has no collateral (like a house), has worked at his current job for 2 months, and keeps changing apartments every month, with rent at $800/month.
does that look OK to a bank?
reason why i brought this up is because i know several people with credit scores above 700, who either didn't get approved or received less than ideal interest rates.
