![]() ![]() Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. I don't think I will be, but just reaching out for other opinions.ĭo you feel that they would take the available funds and down payment into consideration for approval?Ĭopyright ©2001- Fair Isaac Corporation. I'd like to purchase the car at this time, but I do not want to "waste" a hard inquiry if the masses feel that I would be declined. ![]() My question to the masses is whether, given the information above regarding the "available finances" (after deducting expenses from income) and the projected down payment, do you feel that I'm in a position to go ahead and apply for the Kia Financing pre-approval at this time or should I wait another month or two. We seem to be "so close" with TRANSUNION however, my EXPERIAN Auto Score 8 reflects below that "700" threshold. The "dealer" states that they pull TRANSUNION whereas, Kia Motors Financing (per their website) seems to imply that they have an arrangement with EXPERIAN. The Kia "Build and Price" website seems to imply that "700" is the cut-off to be eligible for the Top Tier (0.9% for 60 months). ![]() Remaining Monthly Available Funds ($3,628.22).or ($4,428.22) (if remove the $800/month student loans which son pays)Ĭost of 2016 Sorento SXL 3.3L V6 AWD: $48,585Īmount to be Financed: $25,903.60 (60 months)Ībove are the current credit scores, current income and expenses, and anticipated vehicle type/costs and amount financed. ** Includes $1,812.45 (mortgage) and $800.00 (student loans - but only as a co-signer - son is primary payer) EXPERIAN SCORE 8 (666) - EXPERIAN AUTO SCORE 8 (671) TRANSUNION SCORE 8 (691) - TRANSUNION AUTO SCORE 8 (704) EQUIFAX SCORE 8 (679) - EQUIFAX AUTO SCORE 8 (706) Current Credit Scores (as of 12 March 2015): ![]()
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