Happy2helpnlearn OP t1_iuizaed wrote on October 31, 2022 at 6:09 PM

Reply to comment by limitless__ in Car financing… tier 1 credit but finance guy says I don’t have enough credit lines?? by Happy2helpnlearn

I’m curious about your last line. May I ask why no co-signer and why not worry about multiple pulls on my credit report when that will lower my score? Thanks

Happy2helpnlearn OP t1_iuigsn2 wrote on October 31, 2022 at 4:06 PM

Reply to comment by dwinps in Car financing… tier 1 credit but finance guy says I don’t have enough credit lines?? by Happy2helpnlearn

Thank you.

I will say that he told me specifically my Experian score was 70 points lower than what it was. I know there are 3 bureaus with all different scores. Kia pulled my credit 2 months ago and my 3 scores were sent to me in the mail, middle being 816. No credit changes since then. And I subscribe to Experian.

I’m going to a local credit union today. Thank you very much for the help.

Happy2helpnlearn OP t1_iuhyj57 wrote on October 31, 2022 at 1:59 PM

Reply to comment by limitless__ in Car financing… tier 1 credit but finance guy says I don’t have enough credit lines?? by Happy2helpnlearn

Thank you. I too gave the dealership one chance to be above-board. Never heard of light stream but I’ll be googling it. Thanks

Happy2helpnlearn OP t1_iugcq0i wrote on October 31, 2022 at 2:44 AM

Reply to comment by Trick-Read-3982 in Car financing… tier 1 credit but finance guy says I don’t have enough credit lines?? by Happy2helpnlearn

Thanks to you and the reply above. I went into the dealership and had a pretty stress free experience with the saleswoman and the test drive. Haven’t bought a car in a long time from a dealership and forgot how sleazy the finance departments can be. Thought my credit score was enough to elevate me above bait and switch shell games.