Home Equity Loan

Running your Credit rating to Acquire a Vehicle… Do&#39s and Don&#39ts





When and in which you Really should and Should not operate your credit score when procuring for a new automobile, and how to get the greatest desire premiums when you are procuring for a new automobile.

Visit SaveOnMyAuto.com to get seller pricing:
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Refinance Existing Auto Financial loan:
Verify your FICO Auto Score eight (NO Challenging PULL):

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#CreditPull #SaveOnMyAuto #MyFico

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29 comments

  1. Ari—mixed opions here…If I directly purchase from FICO is that considered a hard hit?

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  2. Ari, WOW!! I sincerely appreciate the video and answering ALL the questions… Totally unexpected. Hopefully it helps others as well. Dynamite content!💥💣😎

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  3. I’ve found that getting a new car at close to the end of the month is the best time as they’re trying to get their sales volume higher. Also the first year of a new model like the M4 is the WORST time. I got reemed regardless of a Tier 1, perfect extensive auto loan history, etc.. but I wanted it and didn’t care. Although I made $15k when I totaled it bc of my insane payments.

    Sometimes brands will try pushing new models that people aren’t familiar with like my current Benz C43 coupe. I got $13K off MSRP of $70K-ish from just a little research and shopping around and then I did business with a dealership in Cali that wanted to be the #1 Benz dealer so they took a huge hit (on paper) but they make up for it in incentives and bonuses from the brands.

    Also, ALWAYS email/call the dealership’s BDC/Internet Dept/whatever they want to call it.. (NOT a salesman) bc they typically only make a set amount regardless what the car sells for.

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  4. So my friend has nissan altima on finance and has like one year or so on payments remaining. However shes is moving out of country in like 3 or so months. so what can she do with car and payments. any help. i believe the finance is through the dealer.

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  5. This was a solid vid, sir! I didn't know about dealerships getting financial pings back from shady financial institutions.
    I'm looking at purchasing a pre-owned, but later model Lexus GS, and there seems to be quite a few good deals on them in the New England area. However, I've had experiences with some dealerships that try to jerk you around with fake fees and dealerships that truly honor their internet pricing (Lawrence Kia did this and it was a phenomenal experience. Alfa Romeo of Fort Worth, TX is absolute rubbish. I walked on that deal and the sales manager, then general manager was calling me almost non-stop on my 3 hour drive back home).

    It made me wonder how I can try to research which dealerships try to tack on which fees. Kind of like a finance version of 'DealerRater.com', but instead of, 'Sales person y was great, I even got free starbucks for life!', it's a break down of, 'Tri-County Lexus charges Prep Fee, Air in tires maintenance fee, you found your own loan so we're still going to try to make money by charging you 1000 for that fee, heres another fee that we've thrown in there to see if you'll actually push back on it fee, the Nickel and Dime for a dollar fee' etc…

    I've been seeing that New England seems to have all these Misc fees, Southeast tends to sell a lot of salvage or rebuilt title vehicles, Cali seems to be fairly clean, Midwest is either great or will jerk you around, but not really anything in between, and not really sure about Pacific Northwest.

    Or, maybe I'm just thinking about all of this way too much.

    Great content Ari, and you're almost at 20k!

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  6. I purchased my vehicle at an Acura dealership and i got 6 hard pulls which each counted individually, within the same day, and i had a 735 credit score yet they couldn’t give me lower than 11% apr. I ended up going to a capital one to finance my car with a much lower apr. Don’t finance with the dealership.

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  7. When you buy a new car it usually is 2 hard pulls. The dealership and then the bank. If you buy from BMW you will see a hard pull for the bmw dealership and then BMW Finnacial.

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  8. what's the best way to get 0 percent financing. my score is 790

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  9. Would negotiating the sales price down by $2,000 be reasonable? I’m looking to purchase a 2016 or newer certified pre-owned RAV4

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  10. Great video like always

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  11. IS IT ME , OR DOES THIS GUY LOOK LIKE ALFRED E. NEUMAN!!!

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  12. OK, here is one. How can you prevent a dealership from pulling your credit? I told the dealer I have a loan arranged at the credit union and don't need financing, yet they pulled it anyway and I can see it a week later when I checked my credit. I didn't sign anything authorizing them to do so, I know because I worked at the back office at a dealership and know the forms. If I am shopping I wouldn't tell them my name or address but at the time you start doing paper work you got tell them.

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  13. I subscribed when Ari had 2000 subs . Hey Ari do the new trail boss Silverado

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  14. Question? I got less than two years for my lease to end. Can I sell my car to car max. Thank you I hope to hear from you. I got Acura.

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  15. Is there anything wrong with financing through the manufacturer in the US? I'm in Canada and always get WAY better rates through places like GMAC, Ford Credit, BMW Financial. Here the bank/credit union rates were way higher than the manufacturer rate. For me anyways…

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  16. I could scribe to this channel but not just yet. Had a hard time keeping up with pointing at your own hands to explain things. You would probably get more views if you wrote stuff on white board.

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  17. I don’t get why running your credit a few times hurts you? Unless you’re buying cars left and right , it shouldn’t matter 🤔 I have always been approved before I even went into the dealership and they always say oh we can beat it. But they can’t 😂

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  18. The credit monitoring service I use has an education section that covers how multiple “pulls” impact the FICO score. It says that if you’re buying a car, once your credit is pulled you can have it pulled as many times as you want within 14 days and it will only count as 1 pull against your score. Still, I like Ari’s recommendations on waiting until the last minute.

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  19. TERRIFIC VIDEO! TYTYTY! Will it hurt my score if I run my own Auto score 8?

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  20. i am a salesman, don't finance at a dealership unless there are special rates such as 0% or 1.9%

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  21. Best banks for new car loans in Massachusetts?

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  22. I just bought a new car and only ran credit at 1 dealership and have 8 hard pulls. Go figure

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  23. Don't go into debt for a car. 72 months will feel like 72,000 months. Earn Save Spend. That is the way to wealth and freedom. Debt is slavery.

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  24. Great tips Ari. And something to add, to get your scores up keep an eye on the statement closing date of your credit cards. Assume you have a Citi Credit card which has a current balance of $2000, also closing on the 15th of September. If you can pay off $2000 before 15th of September, the balance reported to your credit report would be $0, and it will give you a tremendous boost. But in any case you weren't able to pay it off, and the balance is reported as $2000, you have to pay off before the statement closes, after the statement closes next month 15th of October, your credit score will get updated.

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  25. Class dismissed!!👨🏻‍🏫

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  26. Do more Volvo vids:)

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  27. I enjoy and learn a lot from your vids, I lift my hat to you. Very valuable information you give away for free

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  28. Great vid!

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  29. Eager Beaver trailer…

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