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i have been refused credit to purchase a car

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MILT138

Joined: 20 Mar 2009
MILT138's page
Posts: 2

58 Magic Points

Subject: i have been refused credit to purchase a car

Fri Mar 20, 2009 6:01 pm

I RECEIVED A LETTER FROM WACHOVIA DEALER SERVICES THAT A REPORT FROM EQUIFAX ISSUED A REPORT THAT WAS NOT GOOD AND THEREFORE WAS DENIED CREDIT BY ARRIGO DODGE CHRYSLER JEEP WHERE I WAS TO BUY A CAR....I WAS TOLD MY CREDIT SCORE WAS 827 AND WAS GIVEN CREDIT BY FORD....I AM UNHAPPY WITH HAVING EQUIFAX REPORTING THAT MY CREDIT IS BAD....THE LETTER HAD AN APP #952-53938174

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

Fri Mar 20, 2009 6:42 pm

Your Credit Score was a 827 and they denied you credit? Maybe it was how much the vehicle, you wanted to buy, was worth. Maybe you can try and finance a good, used car and help your credit THAT way ( with a score like THAT, I don't see why you would have bad credit!).

MILT138

Joined: 20 Mar 2009
MILT138's page
Posts: 2

58 Magic Points

Fri Mar 20, 2009 8:05 pm

how can i get EQUIFAX TO SEND ME A FREE CREDIT REPORT? I TRIED CALLING AND ONLY GET RECORDINGS ON THE PHONE...THEY SAY TO GO TO WWW. ETC. AND I FIND NOTHING TO HELP....THANK YOU FOR YOUR HELP

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

Sat Mar 21, 2009 3:08 am

You can go to www.annualcreditreport (dot) com and get them free. However.....you can only do this once per year. Hope this helps.

ensurepune

Joined: 17 Feb 2009
ensurepune's page
Posts: 102

510 Magic Points

Sat Mar 21, 2009 7:31 am

its true you can get the service only once free in a single financial year.but i think one shouldn't think much about whether report is free or charged one if one want to get a good deal on the car.

priority is here to get a car not the report........... correct me if you can. but i suppose you should first get the report (free or paid) and then get the deal done as soon as possible. Rolling Eyes

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

Sat Mar 21, 2009 10:17 am

Yep..makes sense, ENSUREPUNE. If there are some 'little' debts, on your Credit Report, that you can pay off, BEFORE you try to buy a car, i would do that first. yes, OP, your Credit Score may be REALLY high, but,..it ALSO depends on how MUCH debt you have..if ( possibilty?) you're 'overextended' on credit. Hope this makes sense.

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