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07-22-2010, 12:15 PM | #45 |
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I will do my best not to let them. I wonder If you could buy a rim and tire pkg somewhere else If they dont chop there price. Thats the price he gave me $1100 or $1200.
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07-22-2010, 12:35 PM | #46 | |
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Fico 720, verifiable income 100,000K +, they said I never took out a loan this big before so they will not let me slide unless I get cosign or 26k upfront. |
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07-22-2010, 12:53 PM | #47 |
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The heck is going on these days @BMWFS? Is it just leases that are being treated differently? I had no problem with my car, but I'm doing a traditional finance.
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07-22-2010, 12:55 PM | #48 | |
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I swear I walked in told them my income and they did not verify. The only major loans I had prior are my mortgage and my old Infiniti I traded in. That's insane you have a 720 and make that much and were rejected man.
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07-22-2010, 01:29 PM | #50 |
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You know the funny thing I called to re-fi my house,I was told no cause I am a year behind,I been late the last 12 payments. Funny thing when she searched my name and apologized there's Been a mistake and said I have been a perfect history. She told me I will be getting an apology letter in a couple of days.she will be calling the creditors and rectifying my situation. She said it will bring up my credit history and score. Let's see how fast this goes.
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07-22-2010, 03:01 PM | #52 |
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Every dealer uses different credit bureau. They even used one bureaus for my score and a different bureau for my gf's scores. I was in top tier credit so, they didn't even bother to verify my income. As you know the score range for different bureaus are different, so it's comparing apples to oranges on these scores.
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07-22-2010, 03:10 PM | #53 |
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If you want to know what we consider to be high,it don't matter what we think to be good or high. It matters what the creditors think and in this case BMWFS,LOL : -). Also as we all know by now the credit score don't mean shit. They want you to have a high credit line of credit that you took out or an auto loan or a BMW LOAN.WE ALL know that's now. 720 and 100 k salary should be enough but it dont matter what we think.
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07-22-2010, 07:10 PM | #54 | |
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07-22-2010, 07:32 PM | #55 | |
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07-22-2010, 08:15 PM | #56 |
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Hey Dice, I feel your anger man. I was so excited and everything seemed to be in place. I was going to drive out with a 2011 M3 Vert. I think I have a little blame on this as well 720 Fico but my CC limit is 2000-3000 with 3 cards. I always had high revolving credit but I recently have been paying my CC in full every month.
I just went to a local dealer today and is picking up an 08 Vert now, 54K I got approved from BMWFS but I have to put 15K down. So Dice what are your options now? Are you going to reapply? |
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07-22-2010, 08:49 PM | #57 |
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If you need someone to co-sign your loan, that must mean that you don't make enough to pay for the car. Upset or not, maybe you should listen to what the writing on the wall is saying.
Either make more money yourself to be approved, or wait until a time in your life when you do. Why not go for a 335? Making better financial decisions now (when you are 20) will lead you to better chances of continuing to own good cars throughout your life. Overextending yourself now might not be the best thing. I hope you also own a house if you are talking about purchasing an 80k car, BTW. |
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07-22-2010, 08:51 PM | #58 | |
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07-22-2010, 09:17 PM | #59 | |
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Fellas I got approved the day this thread started. I can well afford this car weather BMW wanted to give it to me or not BTW did I mention a bunch of times they did say ok. I will say it agAIN the MF AT .00245 INSTEAD OF .00180 THATs I wanted. The dealer told me to get a co signer if my credit was not that good for tier 1 credit but as I said a bunch of times in the thread I would get the rate but as we all know it a bunch of BS. Anyway enjoy this thread I hope it helps someone out. I bet if I got a bulldoser and ran over BMWcars at the dealer and had to pay those cars off, I would never have a problem with BMW,LMAO. If you guys missed anything read the thread . Thanks again for any help offered weather I wanted to here it or not . |
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07-23-2010, 07:58 AM | #60 | |
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Car = Short-Term Commitment House = Long Term Commitment (Can't flip them like you used to be able to) |
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07-31-2010, 03:36 PM | #61 |
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Is the OP speaking English? How the hell can anyone understand his posts
Cheers, e46e92
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"...it's not about the money and not about the brand of the car, it's about handling,performance and passion......And that, no other car has all together like an M3........when you talk about the most complete car the M is invincible." --Tony Kanaan. |
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07-31-2010, 05:23 PM | #62 | |
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Drives: 2011 E92 M3 ZCP
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'12 CLS550 Palladium Silver - loaded
'11 E92 M3 ZCP - SG/B-EXT/CF, M-DCT, loaded '11 E93 328i, BSM over Saddle Brown, sport, loaded '08 550i M-Sport, Carbon Black (Gone but not forgotten), '06 W211 E55 AMG (Gone, miss this animal),'01 E39 540i Sport |
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08-04-2010, 02:28 AM | #63 | |
Hello my name is...
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Heck.. I paid way less than a tier 1er. I paid cash, so I got the 0% rate for 0 years. Beat that.. |
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