BTI said:
It can be GE or AGricredit.
The financing is usually very smooth.
IF you have decent credit.
They aren't very forgiving of bad credit combined with low down payment.
If you have decent credit you should not have any trouble.
BTI
What do they consider decent credit? Is decent in the upper 600's or does one need to be in the 720 FICO area, like for a mortgage?
Do you know what credit bureau they use? I haven't pulled my FICO in over a year and I'd like to pull it to get an idea of where I stand. I usually pull my Equifax FICO, but if I know these folks are using one of the other 2, I'll pull them instead.
BTW, for those of you wondering about credit scores, be careful of what score your looking at. FICO is the standard for credit scores and these reporting agencies like to sell they're own scoring system. If you use Myfico.com, you'll be sure to get a FICO score. If you use credit bureau's site to get your score, make sure you're getting FICO.
Even though you might pull the wrong type of score by going directly to the credit bureau, you'll be better of if you see a problem with your credit. The reason is because you can dispute them right on the site. Using MyFico makes disputes harder.
One thing to remember is that pulling your credit yourself will not affect your score, but if you have a dealer or someone else pull it for you, your score will drop a bit. I can tell you that whenever I've pulled my own FICO score, it's been dead on with what these companies pulled when I went for the loan. Mortgages, Car loans, etc..., my score was dead on what what they pulled. This makes it really easy for the dealer/load officer to tell you how you'll fair on a loan without them pulling your credit (remember them pulling your credit will reduce your score).
