jmh60441 asked:
Ok. I have been divorced now for 2 years and am really happy with someone else. The problem is that my ex-wife really did a number to my credit. She took out cards in my name, charged excessively, etc, etc. Long story short, I had to pay a huge some as part of the divorce agreement to close all accounts. I am now taking a new job and have to give up my company car. The nice thing is that it is a great salary and car allowance. When this should be an exciting time for me, I am really stressed about having to get a car with this credit rating. I tried last night at capitalone.com and was instantly denied which isn’t a good sign. My score is in the low 600′s now. I realize a dealer will get a loan for me, but I’ll be probably 18-22%. Is it possible to refinance after a year to get out of that? I have to get a car this week and really need some advice on how to proceed based on my position. I don’t have the $ to pay for a cheap car upfront either. Looking for used car.
Ok. I have been divorced now for 2 years and am really happy with someone else. The problem is that my ex-wife really did a number to my credit. She took out cards in my name, charged excessively, etc, etc. Long story short, I had to pay a huge some as part of the divorce agreement to close all accounts. I am now taking a new job and have to give up my company car. The nice thing is that it is a great salary and car allowance. When this should be an exciting time for me, I am really stressed about having to get a car with this credit rating. I tried last night at capitalone.com and was instantly denied which isn’t a good sign. My score is in the low 600′s now. I realize a dealer will get a loan for me, but I’ll be probably 18-22%. Is it possible to refinance after a year to get out of that? I have to get a car this week and really need some advice on how to proceed based on my position. I don’t have the $ to pay for a cheap car upfront either. Looking for used car.
Tx!
It’s really sad that people even try to scam you on here, it’s actually pretty unbelievable. For those that posted trying to scam me and who obviously can’t even put a sentence together…….nice try. Do you actually think I’m that stupid?????????
Lucille
