All Questions
4
questions
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
1
vote
1
answer
655
views
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
364
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