Got the run-around from trying to get a Scion

[twuoo]

Tried to get a Scion xD the other day. When they ran my credit, said they couldn't even approve me, that I was in the 400's and the rate would be 20%.

What a crock. I had pulled my credit report in May and my experian was 689!

Needless to say, I didn't purchase the Scion.

I think had it been a domestic car, the dealership would have been more willing to work with me.

Also, I read somebody mention bringing in check stubs to show salary. How many week would you think is "good enough"...a month's worth of stubs?

Next time I go car shopping, I'm going to bring in proof of my experian score. What a scam!

[Cali]

Dealerships use another system to get your score. So it just might be in the 400's.

[danaf]

I would recommend going to a Credit Union and getting pre-approved financing first. Try it - you might be surprised. Car dealers give the worst rates - even when you have good credit. I learned that the hard way last summer and had to turn around 1 month later to refi and I got a rate that was $70 cheaper per month!

[Cali]

Not all dealerships. When we bought our Lincolns we got great financing for them, better than our CU or bank.

I would recommend going to a Credit Union and getting pre-approved financing first. Try it - you might be surprised. Car dealers give the worst rates - even when you have good credit. I learned that the hard way last summer and had to turn around 1 month later to refi and I got a rate that was $70 cheaper per month!

[NOMOREBADCREDIT]

i still cant loan with scores high 600s dealers are full of it. i getting told is because of the bk.