Well, first off forgive me, but I must vent.
Most or at least some of you are aware of all of the problems I have been having with the Bonnie. STILL won't start. The wife and I decided that it is probably time to go ahead and purchase a newer vehicle. We actually found something we really liked and was a good deal. 01 Malibu with 75,000 miles with a Brand NEW PA inspection, which is a HUGE plus, for $5,000. Ran the Carfax (thanks again) and it was clean. Was actually a Southern car for a few years.
SO, I call the credit union and spoke with 2 different people explaining my credit situation and asking if they would take a look.
SHORT Story- I had bad credit in the past and just finished paying everything off, except the student loans which just started and I have been paying on time.
I explained that they are proabably not updated on the credit report yet, but I can provide proof they were all paid if neccessary.
I told them I wanted to think it over (the wife and I are also considering buying a house in the near future and I don't want to go into to much debt at one time).
SO, I call back the next day for a "pre-approval". The guy takes all of my info, puts me on hold for like 10 mins with NO explanation, comes back and says they can't do an "instant" approval but they will call me back the next day. So yesterday afternoon I call because I hadn't heard anything, and was told that I was declined because my score was too low
They have a minimum score with NO exceptions...they guess who processed my ap. works in some call center and just inputted the info. A differnet lady actually looked at the ap.
I was so angry that I got sick. Such a bad head ache I need a pain pill to get rid of it and couldn't eat (which NEVER happens)
It'* not that I am mad I didn't get it, it'* that they did exactly opposite of what I told them I was looking to do.
SO, I call the lady who actually looked at the ap, and was not rude, but stated my anger and that I wanted to file a complaint on how I was treated. Supposedly the VP of lending services is going to review everything and get back to me.
Now, I have a non running car needing maybe another grand or so that I don't have, on top of the fact that I don't even know where I am going to be living soon.
As I said, we were thinking of purchasing a home once the credit is all straightened out and our land lord was supposed to go month to month while we found a place.
Now, he'* saying he wants a year lease OR we have to be out by the end of May!!!