Comments on: What would my estimated credit score be if I got a 9% car loan? http://geta-credit-report.com/120/credit/what-would-my-estimated-credit-score-be-if-i-got-a-9-car-loan/ Tue, 06 Jul 2010 04:40:56 +0000 http://wordpress.org/?v=2.9 hourly 1 By: knowitall http://geta-credit-report.com/120/credit/what-would-my-estimated-credit-score-be-if-i-got-a-9-car-loan/comment-page-1/#comment-303 knowitall Sat, 06 Mar 2010 12:22:45 +0000 http://geta-credit-report.com/120/credit/what-would-my-estimated-credit-score-be-if-i-got-a-9-car-loan/#comment-303 Is it a new or used car? Used have higher rates than new. Good credit scores get rates from 0% to 4% depending on the dealer. ( Some offer zero from their own financing if they are hurting for sales) There are free sites to get your report - that does not include the score, but banks do not use those scores. They use FICO or Beacon which you cannot get without being a member or paying. MyFico.com will charge, but it is not much. www.annualcreditreport.com has free reports. Is it a new or used car? Used have higher rates than new. Good credit scores get rates from 0% to 4% depending on the dealer. ( Some offer zero from their own financing if they are hurting for sales)
There are free sites to get your report – that does not include the score, but banks do not use those scores. They use FICO or Beacon which you cannot get without being a member or paying. MyFico.com will charge, but it is not much.
http://www.annualcreditreport.com has free reports.

]]> By: Ryan M http://geta-credit-report.com/120/credit/what-would-my-estimated-credit-score-be-if-i-got-a-9-car-loan/comment-page-1/#comment-301 Ryan M Sat, 06 Mar 2010 09:46:50 +0000 http://geta-credit-report.com/120/credit/what-would-my-estimated-credit-score-be-if-i-got-a-9-car-loan/#comment-301 No real way to tell because EVERY bank has different standards. My guess would be however about 620, give or take. No real way to tell because EVERY bank has different standards. My guess would be however about 620, give or take.

]]> By: SPIFIMAN1 http://geta-credit-report.com/120/credit/what-would-my-estimated-credit-score-be-if-i-got-a-9-car-loan/comment-page-1/#comment-305 SPIFIMAN1 Sat, 06 Mar 2010 05:02:44 +0000 http://geta-credit-report.com/120/credit/what-would-my-estimated-credit-score-be-if-i-got-a-9-car-loan/#comment-305 Auto finance is what I do for a living and rate depends a lot on the term of the loan, the age of the vehicle, miles on the vehicle, the loan to value ratio and the amount financed. So without knowing all of those things it's hard to give a real accurate answer but a educated guess based on one of my Federal Credit Unions would be anywhere from 625 to 659. And remember the scores that auto dealers and lenders see are not the score you see. We look at whats called a "Auto enhanced" version of a credit report and these are not available to the general public. Auto finance is what I do for a living and rate depends a lot on the term of the loan, the age of the vehicle, miles on the vehicle, the loan to value ratio and the amount financed.

So without knowing all of those things it’s hard to give a real accurate answer but a educated guess based on one of my Federal Credit Unions would be anywhere from 625 to 659.

And remember the scores that auto dealers and lenders see are not the score you see. We look at whats called a “Auto enhanced” version of a credit report and these are not available to the general public.

]]>