01/13/2018
Hey ladies and gents, I have a quick video tip to: “Help you get a better interest rate when financing your lease or purchase.”
https://youtu.be/ZPY58WcxghQ
We all have three bureaus that report our credit score: equifax, transunion, and experian. During the purchase it is likely the dealer will pull your equifax. However, that may not display your highest score. Your two other bureaus may be significantly higher. I have seen score differences of 50 to 100 points between the 3 bureau scores. This give you a better chance of scoring well with select lenders.
The dealer should provide you with a Credit score disclosure form to sign. If they do not provide the form you can request to review it. Always remember to ask your sales consultant for it. It can create the opportunity that may not exist initially.
My thought is get the most out your purchase every time.
Key point...If at first you don’t succeed at getting the rate you want, ask why not. If they say credit score then ask if they use other bureaus(equifax,transunion,experian). Review the credit disclosure form for your alternate bureaus so you know what you are working with.
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