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Honda Financial Approved Me!!!!

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    #1

    Honda Financial Approved Me!!!!

    Chap 7 discharged 2-06-08
    Creditor: Honda Financial
    CL: $22,400 7.36 % interest rate
    Approved: YES!!
    Applied: 3/7/08
    Pulled: EQ - TU -EX
    Score: 646(FICO) 658(FAKO) 593 (FAKO)
    State: VA
    IIB: No

    I was also approved through Capitol One (11.45%) AND NAVY FEDERAL (9.25%).The Honda F & I rep stated that if you have new Tradelines, Honda will usually approve you.

    Cards that I've been approved for:

    NAVY FED. PLATINUM $10,000
    NAVY FED. NAVCHECK $8,000
    JARED $800.00
    JB ROBINSON $800.00
    KAY $800.00
    HOOTERS $500.00
    TARGET $200
    HONDA $22,500

    Last edited by carolina23; 06-28-2008, 11:01 AM.
    Tags: None
    #2
    How was your credit before filing? Were you behind or have charge offs before filing?
    Filed CH7 - 10/13/05;
    341 Meetings: 11/28/05, 3/20/06, 12/4/07 (3d time's a charm!)
    Converted: 2/15/06 (to CH13), 10/15/07 (Back to CH7)
    DISCHARGED: 2/15/08

    Comment

      #3
      I had 7 charge offs, I disputed with CRA and sent in my discharge papers. My EQ report is clean, still waiting for TU/EX to update to show my charged off accounts as IIB.

      Comment

        #4
        Ok...we're working on that now. We really need a vehicle as our junker is having issues, but I'm afraid to apply anywhere yet!
        Filed CH7 - 10/13/05;
        341 Meetings: 11/28/05, 3/20/06, 12/4/07 (3d time's a charm!)
        Converted: 2/15/06 (to CH13), 10/15/07 (Back to CH7)
        DISCHARGED: 2/15/08

        Comment

          #5
          Originally posted by carolina23 View Post
          Chap 7 discharged 2-06-08
          Creditor: Honda Financial
          CL: $22,400 7.36 % interest rate
          Approved: YES!!
          Applied: 3/7/08
          Pulled: EQ - TU -EX
          Score: 646(FICO) 658(FAKO) 593 (FAKO)
          State: VA
          IIB: No

          I was also approved through Capitol One (11.45%) AND NAVY FEDERAL (9.25%).The Honda F & I rep stated that if you have new TL, Honda will usually approve you.

          Cards that I've been approved for:

          NAVY FED. PLATINUM $10,000
          NAVY FED. NAVCHECK $8,000
          JARED $800.00
          JB ROBINSON $800.00
          KAY $800.00
          HOOTERS $500.00
          TARGET $200
          HONDA $22,500

          When did you start cleaning up your credit report?

          You got some nice new lines for your C7 not being that old from discharge. And your EQ is clean, does that mean your C7 never showed up or you disputed it?

          Comment

            #6
            Originally posted by Cali View Post
            When did you start cleaning up your credit report?

            You got some nice new lines for your C7 not being that old from discharge. And your EQ is clean, does that mean your C7 never showed up or you disputed it?
            I filed in October and started disputing all of my accounts that needed to show IIB about two weeks afer i filed, my bankruptcy shows on all of my credit reports. FYI- NAVY FEDERAL is bankruptcy friendly. I've learned alot here and on some credit forums. PM me and I will send you he links.

            Comment

              #7
              Carolina - are you saying that Honda credit pulled a credit report on all 3 credit bureaus????? Please confirm, as I have not heard of this before for an auto loan.

              Except Crapital One of course. They always pull all 3.
              Filed Business Chapter 7: 7/11/07
              341 Meeting: 8/8/07 Asset Case
              US Trustee reviewed case/resolved 9/14/07
              Discharged: 10/11/07 Closed: 11/2/08

              Comment

                #8
                Originally posted by Boscoe View Post
                Carolina - are you saying that Honda credit pulled a credit report on all 3 credit bureaus????? Please confirm, as I have not heard of this before for an auto loan.

                Except Crapital One of course. They always pull all 3.
                Yes, American Honda Financial pulled all three reports, at the time my EQ FICO was 646 my EX FAKO was 592 and TU FAKO was 647. I received a 7.36 rate on a 07 accord EX-L V6 COUPE with 8600 miles.

                Comment

                  #9
                  What kind of Honda did you get???
                  Chapter 7 Pro Se....Discharged Feb. 2006

                  Comment

                    #10
                    Originally posted by cindylynnsmith View Post
                    What kind of Honda did you get???
                    I received a 7.36 rate on a 07 accord EX-L V6 COUPE with 8600 miles.
                    .

                    Comment

                      #11
                      Thank you!!!!! I just traded my Ford E350 12 passenger Van at 10.75% for a new Civic at 7.5!!!!!!!!!!!!!!!!! I did it on your recommendation! From 12mpg to 36!!!!!!!!!!!!!!!!!!
                      "You once asked me for advice. You want some now? Never pass up a good thing." Lieutenant Jean Rasczak, Starship Troopers

                      Join the Mobile Infantry and save the world. Service guarantees citizenship.

                      Comment

                        #12
                        Wow, you are getting grilled...prolly cause no one can believe it. Good for you and thank you for sharing your experience!

                        ep
                        California Bankruptcy Central

                        Comment

                          #13
                          [QUOTE=robivi3;152871]Thank you!!!!! I just traded my Ford E350 12 passenger Van at 10.75% for a new Civic at 7.5!!!!!!!!!!!!!!!!! I did it on your recommendation! From 12mpg to 36!!!!!!!!!!!!!!!!!![/QUOTE


                          Congratulations!!!!!: yahoo:

                          Comment

                            #14
                            Originally posted by epiphany View Post
                            Wow, you are getting grilled...prolly cause no one can believe it. Good for you and thank you for sharing your experience!

                            ep
                            All i can do is share my experience and hope that it helps others. Thanks!!!!

                            Comment

                              #15
                              I was asking cuz I am considering (against everything I have said) about trading in my current vehicle '06 Ford Escape....which gets about 18-20mpg for a Civic Hybrid. I drive approx. 40 miles round trip but in stop and go traffic....takes me about 1 hour each way. I am not upside down on my current vehicle, but I'm less then 2 years aways from being paid off. It just kills me every time I have to pay 3.75+ for regular !!!!!!!!!!!! I had a honda civic before and loved it. Plus the hybrid would put me in the carpool lane.....

                              Any comments?

                              Sorry for kinda hyjacking the thread
                              Chapter 7 Pro Se....Discharged Feb. 2006

                              Comment

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