Credit free report score Terre Haute

I dont want to go into credit free report score Terre Haute what my whole car-buying process was like.  That might be too long a post (there was much drama but thats for another time).   What I want to credit free report score Terre Haute discuss is knowing your credit score and credit free report score Terre Haute getting financing before-hand. I knew I needed to check my credit report and score before making a big purchase.   I purchased all three reports and my score online. I credit free report score Terre Haute expected to have a mediocre score due to past late fees and debt but what I found was that my score was actually very good.   I guess my credit free report score Terre Haute efforts at reducing my debt and transferring credit free report score Terre Haute balances to 0% cards helped. With my credit score in hand my next step was to secure financing.  Included in my credit score was a description of how the credit free report score Terre Haute score was determined as well as what kind of credit I could expect.  credit free report score Terre Haute I applied for financing through an online bank and received a check to fill out when the purchase was made.  Due to my credit score my interest rate on the financing was favorable and below the average for a car loan. I dont know how many of you have purchased a car but you may not know that you arent done negotiating after you have credit free report score Terre Haute figured out the price of your car-to-be.  Oh no!  You spend your time and effort haggling over the car price credit free report score Terre Haute with the sales person and maybe the sales manager and you finally come to an agreeable price and you let out a sigh of relief.  Finally, all I have credit free report score Terre Haute to do is pay for the car and its mine! free 3 credit reports and scores   Well at this point the sales person brings you into the credit free report score Terre Haute office of the finance manager!  Sitting in the managers office, he looks over credit free report score Terre Haute my forms and tells me I can get credit free report score Terre Haute financing for X percent and goes into credit free report score Terre Haute what I need to sign (its in his interest to give me a loan with as high a rate as possible).   Whoa, I say.  I know my credit score can get me better financing I tell the manager (keep in mind I credit free report score Terre Haute already have financing in place).

  The manager looks at my credit report and tells me I do have a good score and offers me a lower interest rate.  This rate is still higher than my credit free report score Terre Haute outside financing! Its then I tell him that I already have financing so I dont need to finance through the dealership.  credit free report score Terre Haute Wanting to have my debt through his dealership he then offers me a rate about half a point below what my outside loan was.  I accepted the new rate and was finally able to buy my new car. free online credit reports If I didnt have a loan already and didnt know my credit score before hand I would have paid significantly more for my car! It would have been very difficult to negotiate at this credit free report score Terre Haute point without those two pieces in place.

  Having my credit score and a loan in place allowed me this: Remember, the price you negotiate with the sales person is not what you are paying for the car (unless youre paying in full of course).  You have to add in the cost of your loan.  When you credit free report score Terre Haute go into a major purchase you need credit free report score Terre Haute to have as many tools and as credit free report score Terre Haute much information as possible because you can be taken advantage of and you might not even know it.  Make sure to check your credit score and know your financing options before-hand! Glen Craig is married and the father to three children that he spends the day chasing as a stay-at-home-dad. He took an interest in personal finance when he realized most of his paycheck was going toward credit card bills. Since then he's eliminated his credit card debt and started on a journey towards financial freedom.

Free updates! Do you like what you're reading? Then please consider leaving a comment below, subscribing to my RSS feed, or receiving FREE Newsletter updates! 4 comments read them below or add one I had a very interesting experience credit free report score Terre Haute just recently while trying to buy a car. free annual credit report gov After they pulled my credit, I was credit free report score Terre Haute informed that I had too many collections credit free report score Terre Haute and could not get the financing I needed.