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auto dealership chicago

A: Are we talking salvage titles, or just cars that have been in accidents?

Regardless, the older the car was when the accident happened the better. It means the car was worth less, so the damage that would be economical to fix is less.

You should know what kind of damage there was, and how well it was fixed. Inspect, and have a body shop inspect it. You should also, if you can, get information about the repair. Carfax can at least tell you when a lot of accidents occurred, so that’s something.

And remember: having been in an accident ALWAYS lowers the value of a car, even if the fix IS perfect.

Q: What is the best bad credit/no credit auto loan?
I’m 20 and a college student. My last car died on me and it’s not worth fixing so I’m in search of a used but newer, more reliable car. I do not make enough money to have a lump sum to just hand over to a private seller, but can make payments to a dealership and have a down payment no problem. I don’t have much credit though…what is the best bad credit/no credit auto loan site out there? I’m in IL. (Chicago). Suggestions?

A: freecreditreport.hotusa.org – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

Q: Can I sue my car dealership for selling a car that I put deposit down on?
I live in Lansing, MI and I drove 4 hours to Chicago, IL to test drive a car. I then put $500.00 deposit down on the car. I was approved for an auto loan shortly after and the salesman talked to my loan officer to make sure everything was legit. I work part time and go to school full time and I just can’t make a trip down Chicago like its down the street it has to be planned. Anyway today is Thursday and I found out today that the dealership sold the car to someone else for a higher price. The salesmen knew I was coming on Friday which I told him on Monday and he said ok. I have purchase agreement/bill of sale also with price included.

A: You can sue if they refuse to refund your deposit. But you can’t sue them just for selling the car out from under you.

In order to sue someone and win you must prove that you have been damaged or suffered in some way. Losing a deposit is a monetary hardship and as such is a loss that you can be compensated for. Having them sell the car out from under you is inconvenient and a bad business decision but you suffered no loss that can be quantified. Therefore no lawsuit.

I’m guessing there is more to this story than we are hearing. I’ll say you missed an appointment to meet with the Finance Manager and close the sale with the dealer and then didn’t communicate with them until several days later. They assumed you changed your mind and sold the car to someone else.

Q: Does anyone know of a bank that accepts out of state cosigners for an auto loan?Im from NY cosigners from ILL?
Most big dealerships tell me that theyd do the financing for me and overnight or fax the papers over to my Aunt so she could sign and then return them back. I found a car at a smaller dealership now that works with the banks around them but does not offer their own financing. He said itd still be no problem and the banks wouldn’t mind but after 2 days, hes still at a stand still. The banks are saying shes out of the “lending area” and if she were to be a little closer it would be no problem. Another bank said they accept out of state cosigners to a distance but only up and down the eastern coast. This Makes me believe that different banks having during lending areas, hence why im asking if anyone is aware of those banks…? Im in Western New York, shes in chicago, its far but not that far. Thanks for the help…?!

A: The first thing I would like to say is in response to one of the answers you got. Don’t fall for someone who is trying to use this forum to promote their business, it should be against the rules of this forum. It could also end up being a scam.

As for a co-signer, the banks have every right to demand someone live within their area. After all, the entire purpose of a co-signer is for the bank to have financial assurance that they will get their money. Remember, if you don’t pay then the co-signer is responsible for the debt and can even be sued for non-payment.

I know you won’t like to hear it, but if your credit is that bad then maybe you should buy a less expensive used car for transportation until you can improve your credit and qualify on your own.

Q: “Let’s Move On” or “Let’s Move Forward” Is code for let’s not dwell on the truth? As in the case Rev. Wright
Or should I say possibly Rev. Wrong!!! Oboma has a conundrum is he a racist or did just need to be accepted into the Black Community so Rev. Wright was the path to Chicago Black Community acceptance or is there something more sinister lurking around the corner.
My hunch was right. Barack would turn the tables.

Yes, Barack agreed, Wright’s statements were “controversial,” and “divisive,” and “racially charged,” reflecting a “distorted view of America.”

But we must understand the man in full and the black experience out of which the Rev. Wright came: 350 years of slavery and segregation.

Barack then listed black grievances and informed us what white America must do to close the racial divide and heal the country.

The “white community,” said Barack, must start “acknowledging that what ails the African-American community does not just exist in the minds of black people; that the legacy of discrimination — and current incidents of discrimination, while less overt than in the past — are real and must be addressed. Not just with words, but with deeds … .”

And what deeds must we perform to heal ourselves and our country?

The “white community” must invest more money in black schools and communities, enforce civil rights laws, ensure fairness in the criminal justice system and provide this generation of blacks with “ladders of opportunity” that were “unavailable” to Barack’s and the Rev. Wright’s generations.

What is wrong with Barack’s prognosis and Barack’s cure?

Only this. It is the same old con, the same old shakedown that black hustlers have been running since the Kerner Commission blamed the riots in Harlem, Watts, Newark, Detroit and a hundred other cities on, as Nixon put it, “everybody but the rioters themselves.”

Was “white racism” really responsible for those black men looting auto dealerships and liquor stories, and burning down their own communities, as Otto Kerner said — that liberal icon until the feds put him away for bribery.

Barack says we need to have a conversation about race in America.

Fair enough. But this time, it has to be a two-way conversation. White America needs to be heard from, not just lectured to.

This time, the Silent Majority needs to have its convictions, grievances and demands heard. And among them are these:

First, America has been the best country on earth for black folks. It was here that 600,000 black people, brought from Africa in slave ships, grew into a community of 40 million, were introduced to Christian salvation, and reached the greatest levels of freedom and prosperity blacks have ever known.

Wright ought to go down on his knees and thank God he is an American.

Second, no people anywhere has done more to lift up blacks than white Americans. Untold trillions have been spent since the ’60s on welfare, food stamps, rent supplements, Section 8 housing, Pell grants, student loans, legal services, Medicaid, Earned Income Tax Credits and poverty programs designed to bring the African-American community into the mainstream.

Governments, businesses and colleges have engaged in discrimination against white folks — with affirmative action, contract set-asides and quotas — to advance black applicants over white applicants.

Churches, foundations, civic groups, schools and individuals all over America have donated time and money to support soup kitchens, adult education, day care, retirement and nursing homes for blacks.

We hear the grievances. Where is the gratitude?

Barack talks about new “ladders of opportunity” for blacks.

Let him go to Altoona and Johnstown, and ask the white kids in Catholic schools how many were visited lately by Ivy League recruiters handing out scholarships for “deserving” white kids.

Is white America really responsible for the fact that the crime and incarceration rates for African-Americans are seven times those of white America? Is it really white America’s fault that illegitimacy in the African-American community has hit 70 percent and the black dropout rate from high schools in some cities has reached 50 percent?

Is that the fault of white America or, first and foremost, a failure of the black community itself?

As for racism, its ugliest manifestation is in interracial crime, and especially interracial crimes of violence. Is Barack Obama aware that while white criminals choose black victims 3 percent of the time, black criminals choose white victims 45 percent of the time?

Is Barack aware that black-on-white rapes are 100 times more common than the reverse, that black-on-white robberies were 139 times as common in the first three years of this decade as the reverse?

We have all heard ad nauseam from the Rev. Al about Tawana Brawley, the Duke rape case and Jena. And all turned out to be hoaxes. But about the epidemic of black assaults on whites that are real, we hear nothing.

A: Very good post. What you have stated needs to be heard by all. I for one think that if Obama was elected as President of the United States his upbringing would prejudice his decisions towards race and would not be for the benefit of all Americans!

Q: Done with college, wanting to move but need a job first!?
I’m on the west coast looking to move to the east coast. I want to live in a big city, my family is in NY, I want to try Chicago, Philadelphia or Boston. I have a degree in engineering design. Throughout college, I worked full time as a auto technician at a car dealership, I have 5 years experience (being only 23, I’ve been told that’s very impressive). I’m looking to work as a CAD drafter or engineering technician. If I apply like crazy what are the odds of finding a job? I’m moving at my own expense and will let the company know that in the cover letter. I hear it’s verrrry difficult to find a job in another state. What are my odds?

And if I was lucky enough to find a job, how much time do employers give for entry level applicants? Is 3-4 weeks reasonable?

A: You going to be moving into the areas with the highest unemployment……….thousands and thousands are out of work……..I would start applying like crazy………..you know the winter sucks…….big time……..6 months out of the year its snowing or raining………

Q: Sign Humor. And I dont want to hear about how long it is. I can see it myself. Or about how much time i have.?
A sign seen on a restroom dryer at O’Hare Field in Chicago: Do not activate with wet hands.
At a car dealership: The best way to get back on your feet? Miss a car payment.
At A Laundry Shop: How about we refund your money, send you a new one at no charge, close the store and have the manager shot. Would that be satisfactory?
At a Music Store: Out to lunch. Bach at 12:30. Offenbach sooner.
At a number of US military bases: Restricted to unauthorized personnel.
At a pizza shop: 7 days without pizza makes one weak.
At a Santa Fe gas station: We will sell gasoline to anyone in a glass container.
At a tire shop in Milwaukee: Invite us to your next blowout.

At a Towing Company: We don’t charge an arm and a leg. We want tows.
At a Used Car Lot: Second Hand cars in first crash condition.
At an Auto Body Shop: May we have the next dents?
At an optometrist’s office: If you don’t see what you’re looking for, you’ve come to the right place.
At the electric company: We would be delighted if you send in your bill. However, if you don’t, you will be.
At the entrance of the large machinery plant: Warning to young ladies: If you wear loose clothes, beware of the machinery. If you wear tight clothes, beware of the machinist.
Billboard on the side of the road: Keep your eyes on the road and stop reading these signs.
Car Lot: The best way to get on your feet….Miss a car payment.
Church sign: To remove worry wrinkles, get your faith lifted.
Door of a plastic surgeon’s office: Hello. May we pick your nose?
English Sign in German Cafe: Mothers, Please Wash Your Hands Before Eating.
Gym: Merry Fitness and a Happy New Rear!
In a Beauty Shop: Dye now!
In a cafeteria: Shoes are required to eat in the cafeteria. Socks can eat any place they want.
In a cleaner’s window: Anyone leaving their garments here for more than 30 days will be disposed of.
In a counselors office: Growing old is mandatory, growing wise is optional.
In a dentist office: Be true to your teeth or they will be false to you.
In a department store: Bargain Basement Upstairs.
In a dry cleaner’s emporium: Drop your pants here.
In a dry cleaner’s window: Anyone leaving their garments here for more than 30 days will be disposed of.
In a farmer’s field: The farmer allows walkers to cross the field for free, but be aware that the bull charges.
In a Florida maternity ward: No children allowed.
In a health food shop window: Closed due to illness.
In a hotel during a conference: For anyone who has children and doesn’t know it, there is day care on the first floor.
In a Laundromat: Automatic washing machines. Please remove all your clothes when the light goes out.
In a Los Angeles clothing store: Wonderful bargains for men with 16 and 17 necks.
In a Los Angeles dance hall: Good clean dancing every night but Sunday.
In a Maine restaurant: Open seven days a week and weekends.
In a New York medical building: Mental Health Prevention Center
In a New York restaurant: Customers who find our waitresses rude ought to see the manager.
In a non-smoking area: If we see smoke, we will assume you are on fire and take appropriate action.
In a Pennsylvania cemetery: Persons are prohibited from picking flowers from any but their own graves.
In a Podiatrist’s window: Time wounds all heels.
In a restaurant window: Don’t stand there and be hungry, come in and get fed up.
In a safari park: Elephants please stay in your car
In a Tacoma, Washington men’s clothing store: 15 men’s wool suits – $100 – They won’t last an hour!
In a Texas funeral parlor: Ask about our layaway plan.
In a toilet: Toilet out of order. Please use floor below.
In a veterinarian’s waiting room: Be back in 5 minutes. Sit! Stay!
In an office building washroom: Toilet out of order. Please use floor below.
In an office: After the tea break, staff should empty the teapot and stand upside down on the draining board.
In an office: Would the person who took the step ladder yesterday kindly bring it back or further steps will be taken.
In downtown Boston: Callahan Tunnel – NO END
In front of a New Hampshire car wash: If you can’t read this, it’s time to wash your car.
In the front yard of a funeral home: Drive carefully. We’ll wait.
In the offices of a New Jersey loan company: Ask about our plans for owning your home.
In the vestry of a New England church: Will the last person to leave please see that the perpetual light is extinguished.
In the window of a Kentucky appliance store: Don’t kill your wife. Let our washing machine do the dirty work.
In the window of an Oregon general store: Why go elsewhere to be cheated, when you can come here?
Inside a bowling alley: Please be quiet. We need to hear a pin drop.
Maternity Clothes Shop: We are open on Labor Day.
Message on a leaflet: If you cannot read, this leaflet will tell you how to get lessons.
Notice in a field: The farmer allows walkers to cross the field for free, but the bull charges.
On a butcher’s window: Let me meat your needs.
On a church door: This is the gate of Heaven. Enter ye all by this door. (This door is kept locked because of the draft. Please use side entrance)
On a desk in a reception room: We shoot every 3rd salesman, and the 2nd one just left.
On a display of “I love you only” Valentine cards: Now available in multi-packs.
On a fence: Salesmen welcome. Dog food is expensive.
On a local plumbing company’s trucks in NE Pennsylvania: Don’t sleep with a drip. Call your plumber.
On a Maine shop: Our motto is to give our customers the lowest possible prices and workmanship.
On a maternity room door: Push. Push. Push.
On a Music Teacher’s door: Out Chopin.
On a New York convalescent home: For the sick and tired of the Episcopal Church
On a plumber’s truck: We repair what your husband fixed.
On a repair shop door: We can repair anything. (Please knock hard — bell out of order.)
On a restaurant: Try our fish just for the halibut.
On a roller coaster: Watch your head.
On a Scientist’s door: Gone Fission
On a taxidermist’s window: We really know our stuff.
On a Tennessee highway: Take notice: when this sign is under water, this road is impassable.
On an electrician’s truck: Let us remove your shorts.
On an established New Mexico dry cleaning store: Thirty-eight years on the same spot.
On an United Airlines emergency exit row instruction card: If you cannot read this card…
On another Butcher’s window: Pleased to meat you.
On the door of a Computer Store: Out for a quick byte.
On the door of a Music Library: Bach in a min-u-et.
On the grounds of a private school in Connecticut: No trespassing without permission.
On the menu of a New Orleans restaurant: Blackened bluefish
On the wall of a Baltimore estate: Trespassers will be prosecuted to the full extent of the law. – Sisters of Mercy
Outside a country shop in West Virginia: We buy junk and sell antiques.
Outside a disco: Smarts is the most exclusive disco in town. Everyone welcome.
Outside a farm: Horse manure, pre-packed bags, $10. Or, do-it-yourself, $1.
Outside a Hotel: Help! We need inn-experienced people.
Outside a muffler shop: No appointment necessary. We heard you coming.
Outside a photographer’s studio: Out to lunch; if not back by five, out for dinner.
Outside a radiator repair shop: Best place in town to take a leak.
Outside a second-hand store: We exchange anything – bicycles, washing machines etc. Why not bring your wife along and get a wonderful bargain.
Pizza shop slogan: 7 days without pizza makes one Weak.
Plumber: We repair what your husband Fixed.
Quicksand warning: Quicksand. Any person passing this point will be drowned. By order of the District Council.
Seen during a conference: For anyone who has children and doesn’t know it, there is a day care on the first floor.
Sign at the psychic’s Hotline: Don’t call us, we’ll call you.
This was seen on a car being towed by a large motor home: I go where I’m towed to.
Trucks of a local plumbing company in NE Pennsylvania: Don’t sleep with a drip call your plumber.

========================================
International Signs (Mis-Translations)
========================================
Acapulco hotel sign: The manager has personally passed all the water served here.
Athens Hotel: Visitors are expected to complain at the office between the hours of 9 and 11 daily.
Athens, Greece hotel: Visitors are expected to complain at the office between the hours of 9 and 11 A.M. daily.
Austrian hotel catering to skiers: Not to perambulate the corridors in the hours of repose in the boots of ascension.
Bangkok dry cleaners: Drop your trousers here for best results.
Bangkok temple: It is forbidden to enter a woman even a foreigner if dressed as a man.
Belgrade hotel elevator: To move the cabin, push botton for wishing floor. If the cabin should enter more persons, each one should press a number of wishing floor. Driving is then going alphabetically by national order.
Bucharest hotel lobby: The lift is being fixed for the next day. During that time we regret that you will be unbearable.
Budapest zoo: Please do not feed the animals. If you have any suitable food, give it to the guard on duty.
Copenhagen airline ticket office: WE take your bags and send them in all directions.
Czechoslovakian tourist agency: Take one of our horse-driven city tours–we guarantee no miscarriages.
Denmark: in a Copenhagen airline ticket office: We take your bags and send them in all directions.
Finnish washroom faucet: To stop the drip, turn cock to right.
German/Austria: a sign in a hotel catering to skiers read Not to perambulate the corridors in the hours of repose in the boots of ascension.
German/Germany: in a Leipzig elevator: Do not enter the lift backwards, and only when lit up.
Germany’s Black forest sign: It is strictly forbidden on our black forest camping site that people of different sex, for instance, men and women, live together in one tent unless they are married with each other for that purpose.
Hong Kong supermarket: For your convenience, we recommend courageous, efficient self-service.
Hong Kong tailor shop: Ladies may have a fit upstairs.
Istanbul hotel corridor sign: Please to evacuate in hall especially which is accompanied by rude noises.
Japanese hotel room: Please to bathe inside the tub.
Japanese hotel: You are invited to take advantage of the chambermaid.
Japanese information booklet about a hotel air conditioner: Cooles and Heates: If you want just condition of war in your room, please control yourself.
Kyushi, Japan Detour sign: Stop: Drive Sideways.
Leipzig elevator: Do not enter the lift backwards, and only when lit up.
London department store: Bargain basement upstairs.
London office: After tea break staff should empty the teapot and stand upside down on the draining board.
Majorcan shop entrance: English well talking.
Majorcan shop entrance: Here speeching American.
Moscow hotel lobby across from a Russian Orthodox monastery: You are welcome to visit the cemetery where famous Russian and Soviet composers, artists and writers are buried daily except Thursday.
Moscow hotel room door: If this is your first visit to the USSR, you are welcome to it.
Norwegian cocktail lounge: Ladies are requested not to have children in the bar.
Paris dress shop: Dresses for street walking.
Paris hotel elevator: Please leave your values at the front desk.
Rhodes tailor shop: Order your summers suit. Because is big rush we will execute customers in strict rotation.
Roman doctor’s office: Specialist in women and other diseases.
Rome laundry: Ladies, leave your clothes here and spend the afternoon having a good time.
Sweden: in the window of a Swedish furrier: Fur coats made for ladies from their own skin.
Swiss mountain inn: Special today — no ice cream.
Thailand: an ad for donkey rides asked Would you like to ride on your own ass?.
Tokyo bar: Special cocktails for the ladies with nuts.
Tokyo hotel: Is forbidden to steal hotel towels please. If you are not person to do such thing is please not to read this notice.
Tokyo shop: Our nylons cost more than common, but you’ll find they are best in the long run.
Vienna hotel: In case of fire, do your utmost to alarm the hotel porter.
Vienna, Austria hotel: In case of fire, do your utmost to alarm the hotel porter.
Yugoslavia: a sign in a hotel read The flattening of underwear with pleasure is the job of the chambermaid. Turn to her straightaway.
Yugoslavia: in the Europa Hotel, in Sarajevo, you will find this message on every door: Guests should announce the abandonment of theirs rooms before 12 o’clock, emptying the room at the latest until 14 o’clock, for the use of the room before 5 at the arrival or after the 16 o’clock at the departure, will be billed as one night more..
Zurich hotel: Because of the impropriety of entertaining guests of the opposite sex in the bedroom, it is suggested that the lobby be used for this purpose.
I know they repeat themselves. I got this off of a web site and i copy and pasted it!!!

A: Some of my favorites from the local papers…

“Is your child ready for a bigger bike? Sell the little one in the shopper”
“Free sheep (2). Ewe catch.”

Q: Actual Signs. Worth a star?
A sign seen on a restroom dryer at O’Hare Field in Chicago: Do not activate with wet hands.
At a car dealership: The best way to get back on your feet? Miss a car payment.
At A Laundry Shop: How about we refund your money, send you a new one at no charge, close the store and have the manager shot. Would that be satisfactory?
At a Music Store: Out to lunch. Bach at 12:30. Offenbach sooner.
At a number of US military bases: Restricted to unauthorized personnel.
At a pizza shop: 7 days without pizza makes one weak.
At a Santa Fe gas station: We will sell gasoline to anyone in a glass container.
At a tire shop in Milwaukee: Invite us to your next blowout.

At a Towing Company: We don’t charge an arm and a leg. We want tows.
At a Used Car Lot: Second Hand cars in first crash condition.
At an Auto Body Shop: May we have the next dents?
At an optometrist’s office: If you don’t see what you’re looking for, you’ve come to the right place.
At the electric company: We would be delighted if you send in your bill. However, if you don’t, you will be.
At the entrance of the large machinery plant: Warning to young ladies: If you wear loose clothes, beware of the machinery. If you wear tight clothes, beware of the machinist.
Billboard on the side of the road: Keep your eyes on the road and stop reading these signs.
Car Lot: The best way to get on your feet….Miss a car payment.
Church sign: To remove worry wrinkles, get your faith lifted.
Door of a plastic surgeon’s office: Hello. May we pick your nose?
English Sign in German Cafe: Mothers, Please Wash Your Hands Before Eating.
Gym: Merry Fitness and a Happy New Rear!
These are actually real!

If you liked these check out my other jokes today!

Thanks!

A: hahaha

Q: Need news info from shooting in the 1950s?
My grandfather worked as a car salesman in the 1950s at FOHRMAN MOTORS of Chicago. They sold new Hudson cars and used cars (auto museum site says Studebaker, but he disagrees).

A man came in to get his car fixed for X amount of dollars in their service department. He came to pick it up and they clearly “bushwhacked” him for more, he calmly demanded they give the car to him, and they still refused to give him the car for the $X promised to fix it.

He came back later and went on a shooting spree, killed at least 4 people, then turned the gun on himself. The dealership closed soon after for good.

I cant find ANY reference of this at all, and nobody in Chicago government knows who to put me in contact with to find out. The Chicago Tribune wants $20 to search newspapers that dont go back that far, or might not have that date, of which I am not sure anyways.

It was after Oct 1958, as there was a Time magazine article quoting a salesman
(at http://www.time.com/time/magazine/article/0,9171,825543-2,00.html ) so the place was still open.

There are some racial details, but not important to the story. Thats my only other clue.

A: Here it is in Jet magazine:

http://books.google.com/books?id=f7kDAAAAMBAJ&pg=PA46&lpg=PA46&dq=Fohrman+Motors&source=bl&ots=kiS1wM3VoP&sig=F0HKQ2X0BIn5_Nn7xzl95cUfFXY&hl=en&ei=aKgUS9yXJNaOtgewtrzzBA&sa=X&oi=book_result&ct=result&resnum=7&ved=0CBcQ6AEwBg#v=onepage&q=Fohrman%20Motors&f=false

Scroll down to page 46

Q: signs that are out there ! ?
A sign seen on a restroom dryer at O’Hare Field in Chicago: Do not activate with wet hands.
At a car dealership: The best way to get back on your feet? Miss a car payment.
At A Laundry Shop: How about we refund your money, send you a new one at no charge, close the store and have the manager shot. Would that be satisfactory?

At a Music Store: Out to lunch. Bach at 12:30. Offenbach sooner.
At a number of US military bases: Restricted to unauthorized personnel.
At a pizza shop: 7 days without pizza makes one weak.
At a Santa Fe gas station: We will sell gasoline to anyone in a glass container.
At a tire shop in Milwaukee: Invite us to your next blowout.
At a Towing Company: We don’t charge an arm and a leg. We want tows.
At a Used Car Lot: Second Hand cars in first crash condition.
At an Auto Body Shop: May we have the next dents?
At an optometrist’s office: If you don’t see what you’re looking for, you’ve come to the right place.
At the electric company: We would be delighted if you send in your bill. However, if you don’t, you will be.
At the entrance of the large machinery plant: Warning to young ladies: If you wear loose clothes, beware of the machinery. If you wear tight clothes, beware of the machinist.
Billboard on the side of the road: Keep your eyes on the road and stop reading these signs.

A: Hilarious.Thanks.

Q: Can I add myself to a car we are paying off?
My husband and I are in North Carolina. He’s active duty military. When we purchased my car and set up financing, we put it only in his name because, stupidly, only the active duty MEMBER is exempt from paying taxes, even though I’m from Chicago and am not an NC resident. Now I want a new one. My credit scores are 729, 730 and 730, so I thought I’d be good and definitely approved. I only want to lease a car, I get bored with them after a year or 2 which costs us money in the long run. So we went to the dealership, they ran my credit and came back and said I didn’t qualify because my scores were in the mid-high 600’s! So I whipped out my iPhone and pulled up my actual credit scores, which had just been updated the day before so they COULDN’T have changed in the span of 12 hours. The finance manager came over and then explained that they have a different system of calculating your score, and it’s mainly based on your auto history. Well….I don’t have one. I paid for my 2 previous cars in cash and my husband is the only one on my current car (tax purposes and all). So I have ZIP history. So my question is: can I put myself on the loan to build up my auto history? It’d boost my credit anyways, because we’ve never had a late payment before. How do I do this?
Also, in response to the first answer- do you know if I add myself to the loan will they look at my “auto history score” or my real scores?

A: You cannot add yourself to an existing loan. That loan is legally binding only between the parties that originally signed it. Your husband would have to take out a personal loan with you on it and pay off the car loan.

But I don’t recommend that because it would be a personal loan, not a car loan. So you still won’t have any auto history on your credit report. And personal loan APRs area higher than auto APRs.

Regarding your credit score, they are calculated in different ways depending on what you’re applying for. For instance, if you apply for a house mortgage, you may show a 750 FICO. But if you want to buy a car, a different method of rating is used. You may actually show only a 650 FICO score.

A house can’t be moved. It’s stationary. So your score is based on factors regarding your stability like time on your current job, time at your current address, monthly income from all sources, number of credit cards and amount of credit on each, etc.

But when applying for a car loan other things come into play. Most notable is previous car loan history. That carries more weight than other factors since a car is on wheels and can be quickly moved to avoid repo men. That’s why it’s so important, especially today when repo’s area at an all time high, to have an established and solid auto loan history. Without it, you FICO score drops.

The only alternative you have is for you and your husband to finance a car together. You’ll build an auto loan history along with him strengthening his.

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