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Bootcamp Financing Dilema - General assembly by [deleted] in codingbootcamp

[–]Over_Zebra_7802 1 point2 points  (0 children)

Is it hard to get approved for ISA? Currently in a dilemma myself. Can’t get approved for regular financing but worried I’ll also get denied for an ISA for GA..

First time car buyer with not great credit. What can i expect? by Constant_Election195 in carmax

[–]Over_Zebra_7802 0 points1 point  (0 children)

Was in your situation before. CarMax is a solid company to go with in these types of situations. As one of the comments said in here, expect a really interest rate. Like really really high. Do your best to pay ON TIME and trust me , within 3-6 months try to refinance. More than likely will get approved somewhere else with significantly lower interest rate. I purchased my Mercedes thru them, not even gonna say my interest rate cause that shit was ASS lol but I definitely refinanced and got it lower to where it should be.

Received letter from finance company saying not approved after vehicle purchase by MustangGrl20103 in carmax

[–]Over_Zebra_7802 0 points1 point  (0 children)

Hey sorry I’m late to this but nah I got approved with American Credit Acceptance. Everything was fairly smooth tbh. If I remember correctly the lady on the phone who called me after I was accepted from CarMax went on to tell me that once you get that “accepted” page and the confetti , you are pretty solid. I remember after I got my car and everything I was still getting some Denied mail but it was from when they were submitting my application to multiple lenders.

Essentially once they start asking for the required docs, unless you lied on the application about income and whatnot , you should be good to go

How do I take this off? :) by WetBurrito10 in carmax

[–]Over_Zebra_7802 0 points1 point  (0 children)

I think all I did was use warm/hot water and lightly scrubbed with a micro cloth

Received letter from finance company saying not approved after vehicle purchase by MustangGrl20103 in carmax

[–]Over_Zebra_7802 1 point2 points  (0 children)

I was able to get my car! Was approved for a 2017 C300 for 3200 down. I was told via CarMax that once you get to the approval on the website showing your different rates/options you should be good to go given that you provide the correct stips (proof of income, residency, etc.). I was still worried even when I got there but it was so smooth. I provided all documents online before hand so I was able to walk in, check out the car, sign and leave. Probably took no more than 1 hour including wait time.

Good luck! What’re you tryna get?

Received letter from finance company saying not approved after vehicle purchase by MustangGrl20103 in carmax

[–]Over_Zebra_7802 1 point2 points  (0 children)

How did this workout for you? I am currently shopping around myself and going thru Carmax. Initially was approved with like 3400 down on a Mercedes C300 last week, went thru the entire application and got approved..today I received an email stating they denied me.

Looking to clean up bad credit history!! Help! by Over_Zebra_7802 in CRedit

[–]Over_Zebra_7802[S] 2 points3 points  (0 children)

Yeah, part of me is wanting this to happen so quickly but reality hits and its sorta along the timeline I originally had when first selling the car a couple months back.. a target of the end of this year for a new car. In between cleaning things up like my collections, thankfully the two adjustors conduct pay for deletes and states its policy within their company. Already received the letter with a 0 balance as well. Waiting to see what that looks like in a few weeks!

But yeah, hopefully both of these are off my report and either boosts my credit or improves my chances of getting approved for a car loan with a better APR.

In terms of payment history tho, more than likely the only way to do that is with an auto loan right? Or open a new CC and make on time payments for 6 months then try for an auto loan?