I dont want how to check credit score Binghamton to go into what my whole car-buying process was how to check credit score Binghamton like. That might be too long a post (there was much drama but thats for another time). What I want to discuss how to check credit score Binghamton is knowing your credit score and getting financing before-hand.
I knew I needed to check my credit report and score before making a big purchase.
I purchased all three reports and my score online. I expected to have a mediocre score due to past late how to check credit score Binghamton fees and debt but what I found was that my score was actually very good. I guess my efforts at reducing my debt and transferring balances to 0% cards helped. With my credit score in hand my next step was to secure financing. Included in my credit score was a description of how the score was determined as well as what kind of credit I could expect. I applied for financing through an online bank and how to check credit score Binghamton received a check to fill out when the purchase was made. Due to how to check credit score Binghamton my credit score my interest rate on the financing was favorable and below the average for a car loan. copy of free credit report I dont know how many of you have purchased a car but you may not know that you arent done negotiating after you have figured out the how to check credit score Binghamton price of your car-to-be. Oh no! You spend how to check credit score Binghamton your time and effort haggling over the car price with the sales person and maybe the sales manager and you finally come to an agreeable price and you let out a sigh of relief. Finally, all I have to do is pay for the car and its mine! Well at this point the sales person brings you into the office of the finance manager! Sitting in the managers office, he looks over my forms and tells me I can get how to check credit score Binghamton financing for X percent and how to check credit score Binghamton goes into what I need to sign (its in his interest to give me how to check credit score Binghamton a loan with as high a rate as possible). free credit report by law Whoa, I say. I know my credit score can get me better financing I tell the manager (keep in mind I already have financing in place).
The manager looks at my credit report and tells me I do have a good score and offers me a lower interest rate. This rate is still higher than my outside financing! Its then I tell him that I already have financing so I dont need to finance through the dealership. Wanting to have my debt through his dealership he then offers me a rate about half a point below what my outside loan was. I accepted the new rate and was finally able to buy my new car.
report credit freeI dont want how to check credit score Binghamton to go into what my whole car-buying process was how to check credit score Binghamton like. That might be too long a post (there was much drama but thats for another time). What I want to discuss how to check credit score Binghamton is knowing your credit score and getting financing before-hand.
I knew I needed to check my credit report and score before making a big purchase.
I purchased all three reports and my score online. I expected to have a mediocre score due to past late how to check credit score Binghamton fees and debt but what I found was that my score was actually very good. I guess my efforts at reducing my debt and transferring balances to 0% cards helped. With my credit score in hand my next step was to secure financing. Included in my credit score was a description of how the score was determined as well as what kind of credit I could expect. I applied for financing through an online bank and how to check credit score Binghamton received a check to fill out when the purchase was made. Due to how to check credit score Binghamton my credit score my interest rate on the financing was favorable and below the average for a car loan. I dont know how many of you have purchased a car but you may not know that you arent done negotiating after you have figured out the how to check credit score Binghamton price of your car-to-be. Oh no! You spend how to check credit score Binghamton your time and effort haggling over the car price with the sales person and maybe the sales manager and you finally come to an agreeable price and you let out a sigh of relief. Finally, all I have to do is pay for the car and its mine! Well at this point the sales person brings you into the office of the finance manager! Sitting in the managers office, he looks over my forms and tells me I can get how to check credit score Binghamton financing for X percent and how to check credit score Binghamton goes into what I need to sign (its in his interest to give me how to check credit score Binghamton a loan with as high a rate as possible). Whoa, I say. I know my credit score can get me better financing I tell the manager (keep in mind I already have financing in place).
The manager looks at my credit report and tells me I do have a good score and offers me a lower interest rate. This rate is still higher than my outside financing! Its then I tell him that I already have financing so I dont need to finance through the dealership. Wanting to have my debt through his dealership he then offers me a rate about half a point below what my outside loan was. I accepted the new rate and was finally able to buy my new car.
Brak komentarzy:
Prześlij komentarz