Quote:
Originally Posted by irpq11
Lucky sob. I can't get those kind of numbers. Don't know what it is. No credit card debt. No sig. loans. 3 active credit cards with sizeable limits. And only a mortgage. The best I could get with my wifes was 6.9, I don't get it.
We do have 3 late payments posted on our report, all from 2004. Can't get them off.  |
You can get anything off (or try to) simply by writing to the companies that put them on. Fortunately I haven't had to but I know people who successfully have. Generally it's much easier to do if you have current accounts with those companies since that time.
In any case, it does seem odd to me too that you can't beat that rate. I got 3.9% no questions asked financing my 04 GTO with GMAC. Best I could do locally was 3.75% with M&T bank but GMAC gave $1500 credit for financing with them. Like I said, I have 5% locked in for the worst case scenario but I'm curious to see what GMAC will do for me having just paid off that loan not 3 months ago. Actually to be fair, it was a Smartbuy with a big balloon payment at the end and I just turned in the car instead.