Auto loan suggestions request

My finance background and stats can be found here and is one day old data as of this post. I read this car buying article and bought a myfico subscription after reading this article but will have to wait until tomorrow to confirm my identity to see my auto fico score. I'm looking to buy a 2013 Kia Optima Hybrid in the 15k to 16k range. I make roughly 24K a year right now and live in my dad's house (he long distance truck drives and needs a house-sitter so I don't pay rent or utilities) I applied for CapOne Auto Financing and was conditionally approved for $23,500 @ 6-11% APR. They asked for pay stubs/summary before proceeding. I will receive these on Monday. I then applied for financing with my bank Y-12 (Dept of Defense credit union) and was conditionally granted 3.04% for 48 months and 3.54% for 60 months. They also need proof of income and also require a cosigner (this is my first car). I've got 4 other credit unions on my list but am holding off for now, the trend here is lenders want my earnings statement. My brother was willing to cosign for a car last year but I decided to start with a $1000 personal loan (almost paid off now, no missed payments) and I'm waiting to hear back if he wouldn't mind cosigning again. Obviosly, I'd like the 3% APR. I ordered car buying for dummies from my local books a million, should be in my hands early next week. My questions are:
I've heard all car related inquiries only count as one inquiry. Is this true?Has anyone had success with starting a lowest interest bidding war with lenders? Has anyone had success with starting a lowest price bidding war between dealers?How quickly can one refinance a car to exclude the cosigner?
Any help here would be appreciated. Cheers,Romulus

Yes, i tried to do that but it looks like the there is some fundamental restriction imposed by OIM . To have view attributes , you must have modify permission as well ..
please check my other thread on this .
'View User Details' Authorization Privilige Issue
Thanks for all your help . Appreciate your help on this.
Thnks
Sid

Similar Messages

Any suggestions for best place to get a low interest auto loan?

I am looking at an Acura. I would like to have the lowest interest possible, but not sure the best way to proceed. Any help will be appreciated. If this is answered elsewhere in this forum, I apologize ahead of time.

CribDuchess wrote:
Musiclover wrote:
I am looking at an Acura. I would like to have the lowest interest possible, but not sure the best way to proceed. Any help will be appreciated. If this is answered elsewhere in this forum, I apologize ahead of time.Most folks here recommend DCU, as they have great auto loan rates (as low as 1.74%). Their website is www.dcu.org. Acura also currently has a great promo rate on many of their vehicles - currently 1.9% for 60-months. Almost 3 years ago, I bought a brand new Acura and got 0.9% for 60-months. This was right before Labor Day in 2012. Not sure if they do the promo 0.9% rate every year around Labor Day, though. Good luck!!Thank you!

Auto Spell Check Requested! Or just move the button, please.

Auto Spell Check Requested! Or just move the button, please.

Thanks for the suggestion. We'll make sure to pass it along.
If a forum member gives an answer you like, give them the Kudos they deserve. If a member gives you the answer to your question, mark the answer that solved your issue as the accepted solution.

Closed Auto Loan Reporting As Open Question

I have an auto loan reporting across all bureaus as open but in good standing. I suppose that is well and good except for the fact that the loan was closed in Dec of last year. My question...would having the loan shown as open reduce my credit score or do you think it's helping? I've heard having a loan of that nature close can reduce your score so I'm not sure what to do about it. Any input is appreciated. Thanks!

Well, see whether you get any other feedback from other folks on here. But if I were you, I'd just end up having some low grade anxiety if I had a record on my report that claimed I owed a big chunk of money for something I didn't. The explanation, I assume, is that the creditor never updated the record to show that you paid off the loan. Unless someone here tells you differently, I'd reach out to the lender and confirm with them that they agree that you paid off the loan in December. If they do agree, explain that they haven't yet updated the final status of the account to show that you paid it off -- and ask them to do that. That way you'll end up with an accurate report that shows future creditors that you can manage and pay off a car loan. I have allowed incorrect data to stay on my report when it is absolutely 100% positive. This is a bit of a mixed bag: a record that falsely asserts you still owe a creditor a good chunk of change. Whetever benefit you get out of it being "open" doesn't seem worth it to me. But see what other people say.

NASA Auto Loan Questions

So I recently got approved for NASA membership and CC. I am also toying with the idea of getting a new car or truck. Currently drive a 07 Accord that has been paid of for a few years now. While I love having 0 car payments I kinda want something more sporty.
Anyone have any experience with NASA auto loans and their process? Im probably gonna shoot for end of year should I take on a new vehicle. My approval score for NASA according to the paperwork was 666Ex but myFico had me in the 640s so not sure what version they pull. Currently myFico has me in the 670s and that should only get better.
Any thoughts, help or even recommendations would be amazing. :-)
-aloha

Aloha , Congrats on your approval membership with NASA Cu.first, I would agree with you to wait until you improve your score, try to keep that beast first premier,Fingerhut down to a very low balance even $0 balance, its good to rebuild your credit but in the long run, it time you outgrew the high interest cards,Now that you got approved CC,with NASA try to put usage with card and build up good payment history try to keep your utilities down under 20% when your ready to..I have a Checking account with NASA, others a happy but am in favor with NFCU, they are more in the same , my opinion NFCU better customer service. That being said, NASA CU products in comparison are virtually the same, good rates, competitively, I receive offers, the only headache I have with NASA when your need assistance, after hours can be a pain, but otherwise, stick to your goals now your in with NASA and already have been aproved for a cc. You should be in good shape by the end of the year, sporting down the Kaumualiʻi Highway Again , Ho'omaika'i ana , Pomaikai

NASS Auto Loan Questions

So I recently got approved for NASA membership and CC. I am also toying with the idea of getting a new car or truck. Currently drive a 07 Accord that has been paid of for a few years now. While I love having 0 car payments I kinda want something more sporty.
Anyone have any experience with NASA auto loans and their process? Im probably gonna shoot for end of year should I take on a new vehicle. My approval score for NASA according to the paperwork was 666Ex but myFico had me in the 640s so not sure what version they pull. Currently myFico has me in the 670s and that should only get better.
Any thoughts, help or even recommendations would be amazing. :-)
-aloha

Many of the subprime banks are going to cap how old the car can be and how many miles the car can have and a 4runner (while a great bullet proof choice) at that price probably is not going to fall in those perimeters if I had to guess.but check capitalone.com and you can get pre-qual for used car loan

Auto Loan Payoff

Did a bit of searching and didn't find an answer to my question. If I make monthly payments on my auto loan as usual, but make say, 2 or 3 a month, and the loan ends up being paid off much before the loan term, will the payments show up the same as if I made payments each month for the entire duration of the loan? Basically, will the credit report give me a "check" or an OK for each month, AND, will the loan remain on my CR for the same amount of time as it would if I finished paying it off "on time" and not early. Does that make sense? Thanks!

OK, to clear up some confusion here: this is 100% lender dependent on what your best strategy is in this scenario. To make one thing absolutely clear, if you make a payment you ARE attacking the principal in any simple interest loan assuming you don't miss a number of payments. This is mathematically provable. Secondly, there's usually two different payment options: regular payment which is zero the current interest, and then rest goes to principal, or make a payment directly to principal and leave the interest untouched. Now here's where it gets to the lender dependent part - two examples from direct personal experience: 1) WFDS - If I make a regular payment larger than the expected amount, it gets applied to future payments. If I push this ahead non-trivially, this goes way out ahead in the future and that's precisely what I did with them and nobody said boo. I've done the same thing on my Alliant secured loan recently, and others did it with SDFCU... my next payment on my Alliant loan is in 2018. That's right, 3 years from now. 2) DCU - If I make a regular payment larger than the expected amount, it still gets applied to future payments; however, DCU will reset the due date to 3 months ahead of time if you pay beyond that. I kicked $3K to my auto loan, payment date got pushed well in advance (had a 310 and change payment) and then I got a nasty gram from DCU telling me not to do that and they reset my payment due date to precisely 3 months ahead. Did it again later, same darned thing happened. Wasn't happy. The reasons for doing this are two fold: longer tradelines are simply better, and we've recently got a conclusive set of datapoints that installment tradeline utilization (which auto loans count into) is an actual thing on both FICO 8 and FICO 98 scores. Data all here: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Installment-tradeline-utilization-thread/td-p/4055989 Anyway, make some lump sum regular payments and see if you can push the balance down to some trivial amount, but do not pay it off. Auto interest rates of a couple percent these days on $100 or even $10 is absolutely trivial for FICO reindeer games, and a longer tradeline and a nice anchor to the installment utilization metric, is absolutely the right way to approach this is my opinion. The only reason not to do it is if someday you have to get a DTI calculation done for a mortgage and you're missing by the expected payment amount, then pay it off otherwise keep it for as long as possible. You can sort it for smaller dollar amounts on a DTI calc with a minimal secured loan, but I wouldn't close a pretty auto loan anytime before I had to personally... that's a high quality tradeline in my opinion, milk it for all that it's worth.

I need to refinance this auto loan!

One of my auto loans is through Regional Acceptance and it's actually one that I co-signed on but they have me as the primary (of course) and the kid has paid almost $2K and the balance has decreased so far by about $500. (Apparently one of those upfront interest deals that we didn't read close enough, but I had zero auto loan history at the time and took it with plans to refinance asap we could). Credit Score: FICO8 EQ 710 (putting that because we would like to try for GM)AAoA: 1 year (the only account still reporting an older TL)# of positive trade lines: 12# of negative trade lines: 0Income: $52KLenght of Employment: permanent disability (VA & SSDI)Previous Loan Experience: 2 auto loans that are 4&5 months oldDebt-to-Income (DTI): 19% (this includes the payment on the current loan for this vehicle if that makes any difference)Year of Car: 2011Miles: 38KPurchase/Refinance: RefinanceRequested loan term (XX Months): 72 or lessDown payment amount: $0 (the kid just put $7500 down when he bought it 3 months ago)Co-borrower/Co-Signer: Will be co-joint with my kid. This and a Cap1 QS1 are his only TLs, both less than 4 months oldOther:

parkbuilder wrote:
Try Notre Dame FCU. I refinanced a 19% loan to 5% and was approved for a $5k Visa Platinum card at the same time. Dropped our payment from $431 to $288. They pulled Transunion and my score was a 650.Well, I wanted to dip my toes into the water first to test the temp and so I hit your link above late last night and applied for a small personal loan. It gave me info, dates, interest, payment amounts, etc and stated someone would call me. Early this morning (around 8am) I got a call from a really nice lady and she told me she was calling about the loan and need some more info. I gave it to her. She then told me that she had been reviewing my credit report (TU) and told me that my score was very good and I should be proud of it (she told me it is 750 and that is currently my FICO8 TU Score if that helps anyone). She also said that I had a few low limit store cards and that I needed better and that she could get me a Platinum VISA 'with buying power' to help me there. Then she wanted to talk about my auto loans and asked questions about those, I explained one was mine that I drive and the other I co-signed for my kid. She said she could see that I was paying a really high interest on both and wanted more info if I was interested in refinancing. After getting her the VIN numbers, pay off, etc she said she needed to put it all together (and I guess send it through, maybe underwriters?) and that she would call me back when she had their offer(s). So now I'm waiting on that call. She did say something about the interest rate on the one car being 2.2-something, and my kid's would be 4.something. This would be great since they're currently 15 and 18 % due to not having any auto loan history at the time of purchase a few months ago and also 2 paid studen loans that had some lates on them. BoyHowdy! I sure hope this all pans out, parkbuilder! Swampthing, thank you, I keep hearing good things about Digital. It's always good to have more options in case one doesn't work out. I've def added them to my list of lenders that I keep info on

Auto-accept friend requests

Hello, is there any way to auto-accept friend requests? Or at least change a setting on my account so people won't need my authorization eveytime someone adds me to their contact list?
Thanks!
Solved!
Go to Solution.

We have no gaurantees that every friend request that arrives is sent by someone we really know. Verifying the authenticity of each contact/friend request is a key security feature. So, I would not foresee the folks at Skype adding any kind of auto-acceptance procedure.
Was your question answered? Please click on the Accept as a Solution link so everyone can quickly find what works! Like a post or want to say, "Thank You" - ?? Click on the Kudos button!
Trustworthy information: Brian Krebs: 3 Basic Rules for Online Safety and Consumer Reports: Guide to Internet Security Online Safety Tip: Change your passwords often!

TS3649 I have just bought and updated my Mac operating system to 10.8.2, also updating iPhoto (as my mac suggested/requested)... now I dont have the option to share my iPhoto books to idvd... why? what can i do to rectify this?

I have just bought and updated my Mac operating system to 10.8.2, also updating iPhoto (as my mac suggested/requested)... now I dont have the option to share my iPhoto books to idvd... why? what can i do to rectify this?

now I dont have the option to share my iPhoto books to idvd... why? what can i do to rectify this?
Purchase iLife 11 (includes iDVD) ON DISK.
IDVD is a wonderful piece of software and well worth the low cost of $40.
http://www.amazon.com/Apple-MC623Z-A-iLife-VERSION/dp/B003XKRZES/ref=sr_1_1?ie=U
http://dealmac.com/lw/artclick.html?1,527850,1872219

I'd like to suggest/request new option for Touch Pad functionality

Hi,
My name is Shahar. I am a HW eng and I've been using T61 for the past 3 years. It's my work laptop, but I am happy with it. Its way better than my previous cra^#@%#^%!!! Laptop.
I'd like to suggest / request a simple addition to the touchpad driver from the development guys in lenovo. My suggestion is about the usage of the touch-pad.
Currently, the touch pad works like this: I drag my finger on the pad from point (x0,y0) to point (X1,Y1) thus "drawing" a vector , and the pointer moves in the same angle of my vector. The length of that movement is of course depends also on my touch-pad driver configuration.
What I really, really, really, really want is to not have to drag my finger. I wish the touch pad will work in the following manner:
Lets define a virtual middle of the touch pad as point (Xm,Ym), and were I touch the pad as point (Xt,Yt).
I want the pointer to move according to the angle of a vector starting a point (Xm,Ym) and pointing to (Xt,Yt), and I want it to move in a speed which is relative to the distance between the points. Point (Xm,Ym) is where the pointer is now, and point (Xt,Yt) is the direction I want the pointer to move. The pointer should move as long as I keep touching the pad, and stop when I remove my finger.
That's all .
I would have added such an option to the touchpad driver myself if I had the means....
Is this feasible ?
Maybe I can get info on how to communicate with the touchpad ?
Thanks,
Shahar.

I have a couple things I would add as well:
"An option to link/ unlink ALL selected mask layers, instead of having to go down manually doing it on each masked layer." that wouldve saved me literally an hour at work today.
My request is to have a "liquify all" option where you can essentially easily batch all selected masks or layers and apply a saved mesh without having to do it manually.
As a person who professionally uses photoshop for 8 hrs a day every day this feature would save me an easy half hour on many files. It also would cut down on the "mistakes" we make by missing one random but essential mask.
One more suggestion is to enable "warp" in transform to work with the "transform again" command as it is the only one of the forms of transformations that does not allow it.
Thanks for reading
Steph

Battery Issues, suggestions requested

My computer has been giving me problems recently. A few weeks ago it continued freezing on me, and when I tried to restart the computer it either would get to the login page and freeze, or wouldn't get past the black screen which shows up (briefly) at startup before the grey screen.
After discussing the problem with a friend he suggested taking out the battery and holding the power button down (while it is unplugged from the adapter). I tried this and my computer has been working better now.
I realized now that my battery doesn't hold a charge for very long once I unplug it. I know the battery loses its resilience after time, but the battery will be fully charged and when I unplug it I will have 25 minutes (approximately) before it shuts down. I also noticed that it doesn't give me the low battery warning before it shuts down.
Comments/Suggestions requested and appreciated.

Welcome to Apple Discussions!
Your friend's suggestion was to reset the PMU, which is a good thing to do:
http://support.apple.com/kb/HT1431?viewlocale=en_US
However, if your battery is on its way out, it's on its way out, and there is nothing you can do to revive it. How old is it, and how many cycles are on it? A battery should retain up to 80% of its original capacity at 300 cycles. If you have more than 300 cycles, your battery may just be getting to the end of its life.
You could try calibrating your battery:
http://support.apple.com/kb/HT1490
However, if the battery is in bad shape, you may not be able to do this successfully. It may just be time for a new one.
Good luck!

Question about Auto Loan...

I've had 5 auto loans in my life (in the last 17 years, 1 used, 4 new) all has been paid on time, never late, never repo. I filed for BK7 in April and discharged last month including my auto loan which I still pay for (It's almost paid off). I wonder if Bank use credit score and/or auto score? I mean I never heard of Auto score before someone brought that up which is different. How does that work exactly?Thanks y'all

From what I understand the auto versions of FICO weighs past auto loans more than say your FICO 8 score. So the better your auto loans are on your reports, paid, no lates, no repos, then your auto score should be ok. If you're shopping for a new auto loan, some banks may use the auto version and some may not. Also there are different versions of the auto score.

TS2755 How do I turn off voice auto complete suggestions?

I've turned off SIRI, but continue to get loud and annoying auto complete suggestions when I'm trying to compose a message. This is particularly irritating when I'm in a meeting or the library.

Check accessibility and VoiceOver to see if it is turned on and what features are active (Settings app > Accessiblity > Speak Auto text (also look at VoiceOver))

SCMA create transport request: Suggested request owner is wrong

Hi,
When we try to create a transport request via SCMA the suggested request owner is not the user executing the create request itself but the user who created the project some time ago. Eventhough this user can be changed this leads to wrongly assigned transport requests.
Since project creation number of users have been added to the project in solar_project_admin but they are not taken into account.
We already did try creating a new task list for the project but that did not work.
Any ideas how to solve this?
thanks
Tom

Hi Tom,
Normally it is done via action Create Transport Request in the SDHF/SDMI document.
There are certain advantages of it.....for e.g..u can create a task if u want to have mulitple changes and can assign multiple developers
Try this it will solve ur problem
Regards
Prakhar

Auto loan suggestions request

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