Cant get a car loan!

I have four unsecured credit cards I got a Chase Slate 1500 credit limit, Discover it card 1500 credit limit, Best Buy Credit Card $2200 Limit, Amazon Credit Limit of $2100. I also have credit with PayPal for $500 and I still have first credit with Capital One of $500. But I am still not getting into a used car loan, I make $9.98 and hour and I bring home $623 every two weeks My credit score is around 680 to 710, I have 25 credit inquires on credit report I dont know if thats a problem or not most of the inquires come from applying for auto loans.

Since you have good FICO scores, i strongly recommend going for a BRAND NEW CAR. Since you already have 23+ inquiries adding another 6-8 to it within a short period is not so bad.unless you have aspirations of getting more credit. I bought a brand new 2015 chevy equinox LS with nearly your scores and $20k financing at 3.99% for 72mos. I was adamant that my income was all commissions only and that i showed him my 655 TU Fico Auto Score and told him i have been in business many many years and that i want you to not apply with captive lender GM financial but find a bank or credit union and use only one bureau. 15 minutes later he found 3.99% for 72 mos. No biggie. they care that you are HAPPY CUSTOMER and HAVE BRAGGING RIGHTS TO SAYING" we did all we could to put you in a brand new car.?"its just not the same with a USED CAR .

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Ipod cracked therefore i cant get it repaired from apple with my apple care warranty.

Ipod cracked therefore i cant get it repaired from apple with my apple care warranty for any thing else.

jermainer180 wrote:
What about a major scratch..
What about it?
Warranties on most any product cover manufacturer defects, NOT damage that you do to the product.
If you scratch your tv does the warranty cover it?
Your computer?
Your car?
Anything?

Odds of getting a 2nd Car Loan

Currenly my situation is as follows, Military Family living on base in Tucson AZ.I make 45K a Year. (US Airforce)My wife makes 28K a year. (Family Child Care Worker)We currently have 1 vehicle co signed together and bought it about 7 months ago before my wife even had a credit score or a job. We owe roughly 27K on it @ 6.9% APRWe both have credit scores in the mid 600s now and have NEVER missed a payment on a vehicle or have anything in collections.We have about $750 a month going to debts $410 of that is the car payment the rest 2 credit cards and a small 4K personal loan. ( All On time payments)We would like a full size truck for towing and family trips. What do you say the odds of getting a second car loan would be? Any advice? Thanks!

Welcome to MyFico.. How much are you looking to borrow for the car?

Need car loan, having difficulty rebuilding credit.

Hi there! 4 years ago, I was unemployed for about a year. This caused me to lapse on quite a few bills which ended up in collections. Since then, I've paid off about half of them, but the other half have been very difficult to pay off (either the CA has not been helpful in even sending me a letter saying that they will mark it as paid, or other reasons). I have a steady job that pays around $80K, and recently my fiancee's car died. So, we applied for a car loan... which was rejected for derogatory marks (it was made clear that even with a good cosigner, I would not be approved). I have been unable to get any forms of credit to rebuild my credit history - the best I have is a secured credit card (which itself has good history) and am on my fiancee's card (which has good history). I'm simply unsure of what to do at this point. A dealership offered a loan at 25% APR, but it raised the price of the car such a ridiculous amount that I simply cannot afford it anymore (and I can't justify paying _double_ on a car in the end after interest). I honestly have no idea what to do here. Paying off all the creditors still won't remove derogatory marks. Nobody is willing to give me credit other than a ridiculously expensive car loan. I really can't wait a few more years for things to drop off. My current FICO scores show up from the low 600's to the upper 500s. I have been unable to get them to change. Help?

You are pretty much stuck in a deep rut. I was in a similar situation and at the bottom, you just have to make a move, and keep good receipts and records. My suggestions:Pick a debt that is updating monthly on your CRs and after verifying that a CA is the owner of the debt, pay one off. You may not get a PFD, I never did, but several did come off after it was settled, especially medical bills. Some CAs will allow you to make a payment plan, but you must be able to complete it. Others require a lump sum. If you can get the OC to recall the debt and cancel the CA, that is the best arrangement. Then you pay the OC and the CA has no authority so has to be removed from your CRs. If you cant get a PFD and you cant do a PIF, then try for a settlement that will at least make it 'legally paid for less than original amount'. Try to get secured cards, they will still count as Revolving accounts. If you can get a secured card that will graduate to unsecured, that is ideal. You need at least 3 revolving accounts. Keep paying off old debts and keep current with new obligations and your scores will improve. I saw good increases after I got each of my first three cards, and they were all small, as in 250 secured and 300 to 500 unsecured with extremely high interest rates.. hth ETA: And go the Rebuilding Credit forum and read everything! Even posts that dont look like they might apply to you will have info that will come in handy at some time in the future.

HELP cant get it to get music, frusterated into te

ok, i got it for christmas, and i was realy looking forward to getting it going cause i have an mpc port in my car and i dri've alot, well...you get the drift, either way, i cant get it to work, i tried calling the customer support, but forgot they were closed, and now im stuck, and confused. there was no manual or n e thing on how to work the desktop items (media explorer and organizer, and i never got this toolbar thing they siad would be there) but anyway, i finaly got all of it figured out, got my musick on to thoes programs fine, and then transfered them to wat was supposed to be my zen...i took my zen, and went to go dri've, and realized..there was not music on it, so i pluged it back in, and now it wont prompt the transfer, and so i checked through the computer to see what was actualy on my zen, and it says my songs are on it and its in a playlist, but THEYRE NOT im so confused, dont know how to work the organizer, or explorer, and all i want is my music...can anyone help?

Right it seems we are not alone, i ran a search in the forum - this particular problem with MacPros appears to have been around since February 2008 but none of the posts got a reply so I guess the issue is lying dormant. I'm going to call AppleCare tonight and report it and if they don't have a solution I will be requesting a refund until it's sorted out. After my £4k G5 Quad died for hardware faults just 15 months down the line I'm particularly wary of quality control and don't want to burned twice at this price.

Who Will Be Camping Out If You Cant Get A Pre Order

In the event i cant get a pre order on feb 3rd, my **bleep** will be at verizon in my car at midnight lol

AZSALUKI wrote:
i'll be popping popcorn and signing on to this forum on the third. this will be more entertaining than following the htc incredible debacle!!!! i'm going to set the over/under at 3 full pages of threads by 6 pm on the third. i feel bad for those that will have a legitimate question about how to do something and within an hour or so there question will be buried 2-3 pages into the forum.
Droid x pre orders first batch, 150k
Droid Inc 150k first batch
iphone 4, 5-6 million
So what is this your talking about?

New 5s and cant get it to discover or be discovered via bluetooth

Just upgraded to the 5s and i cant get it to discover or be discovered via bluetooth. My iPad wont even find it!!! Any help would be appreciated

Hi
You can't use Bluetooth to pair iOS devices with other iOS devices or Computers (Macs or PCs) as it's not part of the OS.
You can connect iOS devices to some bluetooth enabled cars, speakers, keyboards etc. Apple provide a list for supported bluetooth profiles here:
http://support.apple.com/kb/ht3647
HTH?
Tony

Update: Mr. Tortoise gets a DCU loan and a truck

I know I can tell long stories. I'll try to keep this short. Q: What resources would you use to find out the trade in value of a 2015 car? Car is too new to show on kbb. Only the base model is shown, but no detail on various models. I even emailed them and they said not enough data (or something like that). Someone posted a link somewhere here about black-something. I got a value there. DH is frustrated with his several month old car for a couple reasons so we started to see how difficult it would be to get out of it into something new. He's looked at a couple places and the offer for his car has swung $4k. The first one was lower than what we thought (partially due to an error on my part reading the aforementioned site), but the next one was $4k lower than that. Really ridiculously low. I've suggested going to Car Max a couple times. We had good luck getting a price from them once before and then using that price as a bargaining chip and the dealer matched it. DH said it was a horrible experience. I don't remember it being bad, but it was his car, so that could change the perspective on the situation I suppose. I think it's Starting Over that said it's what he (or she) has used in the past or another place like it. I'd love to take DH's car there just to see what they'd offer, but if it's near the lower value, it'd be quite the blow and I'd rather not endure that (I'd rather he not endure that). If it's near the other value we were offered, we might even pay to get out of it (assuming that's possible). We can't go back to the dealer where we were offered that as he's moved on to a totally different make for a new car.

Lots of 'stuff' in the last 24 hours. We both couldn't relax until we got this vehicle situation straightened out. With a $4k swing in value between two dealers, I finally convinced him to go to Car Max and see what they say. It was VERY interesting. They offered exactly half way between the low and the high offer. But with their excellent, transparent process of showing you how they rated the car, we noticed that it was coming up as a Golf SE not a Golf SEL. We questioned the guy at the desk and he got his supervisor (not sure of her title, but the one who could explain more). We said that that was our problem online too. For us it was hard to check a value because it was so new that KBB only listed S. But when we put it into blackbook we got right around what the highest dealer offered us. She said that our VIN was for an SE, not an SEL. She said she'd had a similar issue with a Ram where it was sold as one particular thing but it was really the lower model with the extras added so it was equivalent. DH was about to go 2 blocks down to VW and give them an earful (easy since he's already not happy with them). I suggested we go home and check paperwork first (only about 4 miles away). The sticker is definitely an SEL. There was another piece of paperwork that listed SEL. The contract just says Golf. On the other side of the equation, we looked all over Southern California to see if we could find what he wanted. We had zero affinity for either of the dealers we'd visited on Friday, so we didn't feel bad not asking them to locate one. We found one down by the beach that was exactly what he wanted (The only question was whether we should get long or short bed and we could make arguments both ways...this one is short bed so it'll just be more manueverable. There's only a foot difference.) I think we got a decent deal on the truck, given that we know it's the only one in existence within 150 mile radius. We went down there figuring we wouldn't trade the Golf. We'd either pursue it with VW or just take Carmax up on their offer. We were just ready to be done. We talked to the manager at the dealer and explained the SE/SEL thing. Initially he said he'd match Carmax, but then said if we brought in the sticker etc. showing SEL (we didn't drive the car there) that he'd bump it up nearly to the Audi dealer's offer. Sold. They were only able to get us 2.99 with GM financing. We've applied to DCU and are pending. We did it just under him and I'm thinking DTI could be an issue with just him. I also sent a message through the app system that wife could be added if necessary to get best rate. Dealer was using EX Auto V2 (pretty sure that's what it said). It was probably what the local CU used too, it was a couple points lower but that could be due to the previous inquiry. It would make more sense than Mortgage score. Cap One was listed on their application. I asked if she'd gotten a rate from them. She said we got the same rate from them but they weren't willing to extend us enough credit, but she said it looked like she could 'recon' the amount and rate with them Monday if I want (my word, not hers). I said I will be checking with another CU and I'll let her know Monday. We're taking the Golf in and finishing the deal on Tuesday. Fingers crossed that we get best rate from DCU. If not, we'll survive. The last spur of the moment car purchase was an expensive quick decision. Financially, definitely a mistake. But if he hadn't have gotten that car, I wouldn't have gotten my car (which I love) and he wouldn't have gotten the truck. Overall, I think it positions us well for years to come, so it was nice to get it all taken care of (nearly) all at once. Since we'll be upside down from the start, I think we should get GAP (never have on a loan in the past). That's another plus for DCU. Theirs is $295, GM is $995. I know this is a topic with strong feelings on both sides, so I hesitate to put it here, but in case anyone has knowledge re: GM and this...We'll also probably look into getting the GM extended warranty, but not now. I'm a little uncomfortable getting a car in it's first model year (and an American car with lots of electronics). I've confirmed we can get it later and shop different dealers for it. It's my understanding that if we get it within the by 12k or 15k miles, it's still the cheapest it can be. You can get it up through the time the factory warranty ends, but it gets more expensive as you near the end of that. You can do 0% financing for up to two years through Ally. I hope we wouldn't need to, but that sounds preferable to financing it in now for the life of the loan. And the finance mgr of course quoted us a ridiculous figure on it.

After Chapter 7 Car Loan and Rebuilding

This board has a weath of knowledge and has been a big help for me during the process of BK Chap 7 and rebuilding so I thought I would share some hope with everyone. Filed Chap 7 in April 2015 due to a divorce and job loss and health issues. My lawyer asked me why I waited so long? Tried to fix it all myself but was about 125K in debt. Discharged all but 1k and was finished by late June. Now starting the rebuilding process. Got a 400.00 Fingerhut card....but who can afford to buy this stuff? Oh well I will use it once just to have something on my report. Also got a Credit One bank card with a 300.00 limit. Easy to get. Use it for gas and pay it off every month. My scores after BK have climbed from the low 440's to as high as 695 on Experian in July 15. Now in early August Im at 683 Experian and 674 Transunion. So reading all the recommendations and now looking at my 28+ year credit history that is gone, now it shows about 1 yr, I knew I needed to have good payment history moving forward to rebuild. Car loans are supposed to help, so even though I wasn't planning to get a car until next spring, I couldn't stand the curiosity of whether or not anyone will finance me. So I went online and of course RoadLoans gave me 23K with no down car loan at 17%. Off I go to Carmax. They rerun my credit and it takes forever for all the banks to run me thru.....I wait, I wait. I'm looking at a 2014 Hyundai Santa Fe that's about 25K and over my approval amount. Still wait. All the banks decline but Wells Fargo is still in a holding pattern. After what seemed like an eternity, they blow RoadLoans out of the water and give me the 25K with 0 down and 10% interest! So I'm moving along in the process of rebuilding. Figure I will refi in about a year for lower interest thru my credit union.

NCSCNative wrote:
This board has a weath of knowledge and has been a big help for me during the process of BK Chap 7 and rebuilding so I thought I would share some hope with everyone. Filed Chap 7 in April 2015 due to a divorce and job loss and health issues. My lawyer asked me why I waited so long? Tried to fix it all myself but was about 125K in debt. Discharged all but 1k and was finished by late June. Now starting the rebuilding process. Got a 400.00 Fingerhut card....but who can afford to buy this stuff? Oh well I will use it once just to have something on my report. Also got a Credit One bank card with a 300.00 limit. Easy to get. Use it for gas and pay it off every month. My scores after BK have climbed from the low 440's to as high as 695 on Experian in July 15. Now in early August Im at 683 Experian and 674 Transunion. So reading all the recommendations and now looking at my 28+ year credit history that is gone, now it shows about 1 yr, I knew I needed to have good payment history moving forward to rebuild. Car loans are supposed to help, so even though I wasn't planning to get a car until next spring, I couldn't stand the curiosity of whether or not anyone will finance me. So I went online and of course RoadLoans gave me 23K with no down car loan at 17%. Off I go to Carmax. They rerun my credit and it takes forever for all the banks to run me thru.....I wait, I wait. I'm looking at a 2014 Hyundai Santa Fe that's about 25K and over my approval amount. Still wait. All the banks decline but Wells Fargo is still in a holding pattern. After what seemed like an eternity, they blow RoadLoans out of the water and give me the 25K with 0 down and 10% interest! So I'm moving along in the process of rebuilding. Figure I will refi in about a year for lower interest thru my credit union.Welcome to MyFico Congrats on the new vehicle and thanks for sharing your story

The iphone is just about the dumbest thing invented. You cant get any messages back that accidently get deleted.

My lock button is stuck. So i cant lock the screen when im not using it. I dont know how but it was in my pocket and must have clicked my messages and deleted ALL of my messages between me and my boyfriend. I had messages from before we were even dating. My phone deleted all of my memories. Now i cant get them back. It may not seem like a big deal to you but it is to me.

My lock button is stuck. So i cant lock the screen when im not using it.
Huh? If you set your phone to auto-lock, it will lock by itself.
Settings > General > Auto-Lock > choose timing
My phone deleted all of my memories. Now i cant get them back.
If you have been backing up your phone, as instructed and as is considered routine maintenance for all computing devices, your data would not be lost.
Help me with my problem because Toyota makes the dumbest thing ever invented. The parking break on my car is broken, and every time I park on a hill, my car rolls and smashes into other cars. I now lost my insurance. How do I get it back? Why should I have to fix my out-of-warranty parking break?

NEED a car loan but I have outstanding collections...and no score

ok people. I need help. I NEED a car loan but I have outstanding collections...and no score. I am in the worst possible situation. My car completely went and I can't really afford to fix it. I am trying to work on my credit, just recently got a secured card and am working on paying off 10 remaining collections. (all small - total of about $4k) So I wasn't planning on applying for a car loan right now, but I figure IF i can get one it will only help my credit. Problem is I stopped using credit about 5 years ago and was advised that I have NO SCORE. (the secured card is only one month old, don't think it's reporting yet) DOES ANYONE KNOW OF A BANK THAT WOULD GIVE A CAR LOAN WITH THE NO SCORE/COLLECTION COMBO I HAVE GOING ON? Thanks, I appreciate it! I'm in a crunch as I have a rental car and just really need to figure something out.

SueNami wrote:
WELLLL... I 'could' get a junker... but my biggest issue is that my commute is 43 miles one way and that doesn't count dropping my kid at daycare. All in all I'm on the road about 2 1/2 hours per day and I'm just terrified of another car letting me sit. I know there's no guarantee with any car... but IF someone here knew of a place that would give a loan and I could get a reliable vehicle I'd feel much better about it. I'd prefer NOT to do the buy here pay here cause the prices of the cars are rediculous. If I can buy a car at value but pay 20% now, I'd do that because in 6 months to a year I can refinance an appropriate value (maybe a couple more bucks down) and then have a decent thing going. Give exeter finance a call and see if they can do anything. I got financed through them last year with ~ 500 scores. The interest is horrible at 18.99%, but at 36 months the payments were not too bad. I'm also planning on doing a refi (or maybe a trade-in) once my scores improve.Explain the situation with your scores, maybe they can get an auto enhanced score generated from your history.

I cant get my New SoundFont Studio to work at all

I cant get my New SoundFont Studio to work at allrI have recently downloaded and installed Vienna SounfFont Studio 2.40.60 on my desktop computer with Windows XP. My card is an X-Fi Fatality.
According to The Art of SoundFont, in the tree window I am supposed to see SoundFont Bank (or the name of the one I loaded) followed by folders named Sample Section, User Sample Pool, ROM Sample Pool, Instrument Pool, Preset Section, Melodic Pool, and Percussi've Pool.
?When I open up the copy of the program that I downloaded, I get only SoundFont Bank all by itself, with no folders at all following it.
When I load a SF2 file that I made with the version 2. that came with the old AWE64, I get the name of my file followed by folders for Bank 0, bank , and Bank 28, that can be expanded into the instruments that I put into them. But I continue not to see any of the folders from Sample Section to Percussi've Pool.
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-William Hirsch

yep. Ive actually sat down with the car's manual three times and followed the instructions exactly, but the phone doesnt seem to be able to find my car's bluetooth. it did find one in someone else's car yesterday though!

Second Car Loan

I have taken a car loan of $22,000 from DCU @1.74% in May and my car got totaled last week. I paid 2 installments to bank as of now. insurance company adjuster gave a price which I am satisfied and the process is still going on, I think to clear all it will take time, any idea generally how long it will take ?
In the mean while I would like to apply for another loan to buy another car. Instead of paying to a rental car I believe paying to a loan is better.
Is it a good decision to apply for another loan of $20K at DCU? And what are the chances that I will get a loan? my FICO score is 697.
Thanks in advance.

Welcome to MyFico. Getting a 2nd car loan will all depend on your income. As for how long it will take for the adjuster, it will depend on the insurance comapny. Some are very fast while others are slow. Within the next week or 2, you should have that completed.

What would you do? Thinking about refinancing car loan. Credit not yet optimized.

Currently my objective is to get my credit scores to the high 700's-800 by years end so i can apply for a mortgage and be on my way to the American dream and home ownership. I started my subscription to MyFico last month and here are my scores: Equifax: 748 June 30, 2015, now 757 July 11, 2015Trans Union: 701 June 30, 2015, now 723 July 10, 2015Experian: 737 June 30, 2015, no updates With that said my credit score is not yet optimized to what i am aiming for. And i do not mind paying a little more to accelerate my path to optimization. Example: keeping a <10% balance on my credit cards versus keeping a zero balance. My current auto loan was originally for $31,000 at 6% for 5 years and i've made a full year of installments. I keep reading about DCU and their super attractive 1.74% APR. I also currently have an account with Penfed (though they have denied me a year ago when requesting for a $50k auto loan). If you were me, would you risk a drop in credit score for better car loan terms now? Or would you wait (if all goes as planned) until after i apply for and get a mortgage? If i can get approved for 1.74%, that'll decrease my payment from $600 to $540 or it would allow me to pay off the loan 6 mos early.

slipper wrote:
Currently my objective is to get my credit scores to the high 700's-800 by years end so i can apply for a mortgage and be on my way to the American dream and home ownership. I started my subscription to MyFico last month and here are my scores: Equifax: 748 June 30, 2015, now 757 July 11, 2015Trans Union: 701 June 30, 2015, now 723 July 10, 2015Experian: 737 June 30, 2015, no updates With that said my credit score is not yet optimized to what i am aiming for. And i do not mind paying a little more to accelerate my path to optimization. Example: keeping a <10% balance on my credit cards versus keeping a zero balance. My current auto loan was originally for $31,000 at 6% for 5 years and i've made a full year of installments. I keep reading about DCU and their super attractive 1.74% APR. I also currently have an account with Penfed (though they have denied me a year ago when requesting for a $50k auto loan). If you were me, would you risk a drop in credit score for better car loan terms now? Or would you wait (if all goes as planned) until after i apply for and get a mortgage? If i can get approved for 1.74%, that'll decrease my payment from $600 to $540 or it would allow me to pay off the loan 6 mos early.I'd refi now. Too big of a difference not to.

Dont know the admin password, cant get into single user mode

I have recently bought a PowerMac G4 with a dual core 1.25GhZ processor on a car boot. I do not know the admin password, and i cant get in to single user mode. What to do?! Seems like it has Open Firmware Password Protection, what ever that is, and i have the discs and tried disabling it, but to do that you need the admin password. It's and endless loop! Help me please, i have no idea what to do now...

Disabling the Open Firmware Password
Open Firmware password protection can be bypassed if the user changes the physical memory configuration of the machine and then resets the PRAM three times (by holding down Command, Option, P, and R keys during system startup).
An Open Firmware password will provide some protection, however, it can be reset if a user has physical access to the machine and can change the physical memory configuration of the machine.
Mac OS X
Security Configuration
For Version 10.4 or Later
Second Edition

Cant get a car loan!

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