All Questions
Tagged with credit-history auto-loan
10
questions
0
votes
0
answers
106
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Vehicle Trade-In
An ex-girlfriend and I took out a car together. After breaking up, she decided to trade in the car and get a new one. The dealership sent me a Power of Attorney form to fill out to have our car used ...
2
votes
1
answer
201
views
How to finance a car when I have credit history but no active credit cards or loans
I paid off 30k of student loans and a 26k car (which I no longer own) years ago, and I had two credit cards at one point, but I foolishly decided I didn't need them and closed both credit cards ...
- 123
1
vote
6
answers
806
views
Applied for car loan and got denied: No credit history or no credit file
I am currently looking for a loan to purchase a new vehicle. I just called my bank, and after briefly discussing with them, they said that I can apply to a 2.74% loan. This is the best I have found so ...
- 11
-1
votes
5
answers
250
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Getting an auto credit history without buying a car
I’ve graduated college and got myself a pretty solid engineering job. And think it’s time for a new car.
I’m looking at some of the nicer cars in the $100k range.
The problem is I’ve never had a ...
- 625
2
votes
2
answers
2k
views
Authorized user on Lowe’s credit card (only credit history besides phone bill) how will this affect me when applying for an auto loan?
I’m 18 with a credit score of ~719. My grandfather added me on his Lowe’s credit card ($8,000 limit). He’s had this credit card for over two years and it shows up on my credit report as if I’ve had it ...
- 21
0
votes
1
answer
194
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What is a good (or even possible) option for a car loan for me? [duplicate]
I'll start with my current financial situation:
In the beginning of December 2016 I applied for and got a $1,500 line of credit from Discover, in order to begin building credit. I've so far been ...
- 3
1
vote
1
answer
641
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Two joint auto loans vs two separated loans
Me and my wife are going to buy two cars, our options can be:
Each of us can get a separated loan for each car.
We can get two joint loans, this way we have two (shared) loans on our credit history ...
- 209
1
vote
2
answers
166
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Should I get a auto loan to diversify my credit lines if I have the cash to pay upfront
Background history
I never took a credit card before last year because I have been always fortunate to have sufficient money to cover my expenses and I was under the impression as long as I paid my ...
- 113
1
vote
2
answers
361
views
How much do lenders care about your total available credit?
In the eyes of an auto loan officer, which applicant is lower risk? What about a mortgage?
Two applicants have identical financial obligations, income, credit utilization and credit files; all that ...
- 413
5
votes
3
answers
5k
views
Multiple hard inquiry for a single loan from car dealer?
I'm new to the US and trying to build a good credit history from the beginning.
I've just purchased a new car (an hour ago) from an Toyota dealer with a loan from them. I received an alert now from ...
- 225