Thread: How I have scored invoice pricing with 3.99% APR on my 370Z?
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Old 11-16-2011, 01:08 AM   #224 (permalink)
martin82
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Quote:
Originally Posted by Footloose301 View Post
I'm showing a 2.99% option now for Pentagon. I will applying shortly, but I have no idea what my score is.

2 years ago I was turned down for a $31,000 loan with $2000 cash down and a score of 630 or similar.

Now I bought a 370Z for $31500(after taxes and such, used 2009 with an upside down trade), and I put $500 down and got 7.9% about 5.5 months ago thru Nissan Motor Credit. But I have no idea what my score was.

NOW, I have totaled my car Friday morning at 2:30am and just waiting on insurance to call me back Monday about it. I'm pretty sure it's totaled, but it'll be close. I plan on using the invoice pricing here in the forums to negotiate a new 2010 and thru Pentagon I might be able to afford a bit more at a lower interest rate.

So, I'm curious. I have no idea what my FICO score is and two years ago it was 630 or so..... I'm guessing now it's 675+? What types of interest rates are you guys getting with this score?

I'm desperate to get back into another Z. I can't decide whether I want Red or Black again. All I care about is the 6spd with Sport Package. I don't care about other goodies but if I can score them as a bonus, then sweet. Nismo would be nice but I don't see myself getting one of those because I can't see a dealer getting rid of a Nismo at invoice. I'm willing to fly across the country and drive back if I have to.
FYI, each time a dealer or anyone runs your credit you are entitle to a copy. You need to call the companies that ran your credit and and automated prompt after giving your social security number it mails you an original copy! Also if you ask the dealer what the credit score is, they will show you, but usually will not provide you with a copy. You need to all the credit experian, etc.
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