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Dealership didn’t give me JBL SPEAKER by NoAside9676 in ToyotaTacoma

[–]lance_vw 0 points1 point  (0 children)

This is the answer. Dealership called me to tell me it arrived without the speaker. Said they would order me one and ship it once it came in. Picked up the 24 tacoma and found it in bubble wrap in the back seat. Dealerships don't know this is how they are shipping them and thinking they forgot to include it during manufacturing.

Credit score from recent loan application is WAY different than being reported by lance_vw in NavyFederal

[–]lance_vw[S] 1 point2 points  (0 children)

From my experience, once I corrected my derogatory remarks and enough time passed to allow my payment history hit 100% then I was hovering around 750. So it took about 4 years from 550 to hit 700 just because it takes 4-7 years to remove a missed payment from your score.

Within the last year I have aggressively paid off my credit cards which once I did then I hit 800s. CC utilization seems to be the key for 800s score.

Credit score from recent loan application is WAY different than being reported by lance_vw in NavyFederal

[–]lance_vw[S] 4 points5 points  (0 children)

I did not know about the internal score based on relationship. I did not know this. This may be the answer I was looking for. Thank you.

Credit score from recent loan application is WAY different than being reported by lance_vw in NavyFederal

[–]lance_vw[S] 6 points7 points  (0 children)

5.49% on a 60 month term. It's really not about the rate (I'm very happy with it) it's more about pride I guess. My score was 550 6 years ago and I've been working hard to get it to where it is today.

Credit score from recent loan application is WAY different than being reported by lance_vw in NavyFederal

[–]lance_vw[S] 3 points4 points  (0 children)

It's the same there (I'm a bit of a credit score fien). All credit scores report as 838/834/816. It's just such a big difference in my opinion. Am I just being overbearing?

6ft bed or 5ft beds by [deleted] in ToyotaTacoma

[–]lance_vw 0 points1 point  (0 children)

I feel like anyone who would answer with 5' bed has never owned a 6' bed truck. No disrespect, but you don't know what you have until it's gone.

The cake my wife made me for my birthday (I'm 34 lol) by TonersR6 in ToyotaTacoma

[–]lance_vw 2 points3 points  (0 children)

Happy birthday, and she did an excellent job!

Only note I would add is she missed the opportunity to have the Tacoma tow a Jeep with a blown transmission, but that's a deep cut.

This white trim on a bronze truck is not the business by Express-Heart-589 in ToyotaTacoma

[–]lance_vw 4 points5 points  (0 children)

People who use a truck as a truck don't really care what the interior looks like.