We tried buying a car and were denied by maureen alex. chev.
but they pulled hubbys credit report (with hubby signing it was ok) then they saw the report and said no due to the fact that our mtg is still showing as being late when it was iib. i know we have to fix our reports. Why do they keep it (the approval sig and cr report)if they deny you should i have requested that paperwork back, they said they shouldnt have even let us look at our cr report but he did. he was nice but im very cautious these days...
we despertly need a vehicle the one we have that we bought for 700 is a piece of crap and ready to conk out at anytime has over 200,000 on it and is acting up. bad enough were down to one vehicle.
anyways our question is, the signing of that paper to authorize them to pull the report was a one shot deal right? So afraid to sign anything anymore, they cant do anything else with that sig can they?
I have learned from reading here that that pull has cost us points off the credit score which stinks but didnt know til came here. We are just gunshy about getting taken over the coals with creditors etc. I was reading some posts and got scared that signing that might hinder us further. it says it stays on the credit report til 2008!
Whats the differance between hard pull and soft pull? i know soft pull doesnt lower your score but who gives them the authority to pull your credit report in the first place? most of them on there we never even heard of. Is there a way to stop soft pulls?
any input appreciated.....
but they pulled hubbys credit report (with hubby signing it was ok) then they saw the report and said no due to the fact that our mtg is still showing as being late when it was iib. i know we have to fix our reports. Why do they keep it (the approval sig and cr report)if they deny you should i have requested that paperwork back, they said they shouldnt have even let us look at our cr report but he did. he was nice but im very cautious these days...we despertly need a vehicle the one we have that we bought for 700 is a piece of crap and ready to conk out at anytime has over 200,000 on it and is acting up. bad enough were down to one vehicle.
anyways our question is, the signing of that paper to authorize them to pull the report was a one shot deal right? So afraid to sign anything anymore, they cant do anything else with that sig can they?
I have learned from reading here that that pull has cost us points off the credit score which stinks but didnt know til came here. We are just gunshy about getting taken over the coals with creditors etc. I was reading some posts and got scared that signing that might hinder us further. it says it stays on the credit report til 2008!
Whats the differance between hard pull and soft pull? i know soft pull doesnt lower your score but who gives them the authority to pull your credit report in the first place? most of them on there we never even heard of. Is there a way to stop soft pulls?
any input appreciated.....
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