At the used car dealer he looked up my credit score and found out I had a good score but was in 'tier 2' because of a 6$ charge from Bank of America, but I haven't been with them in 7 years. I called BoA and they said when I closed the account back in 2010 that I missed that 6$ somehow. My questions for that is:
• Should I just pay it off over the phone with them or is there a better way to go about this to save my credit score?
Back to the used car, he said we could add my wife's credit score for a better pricing since her's was 'tier 1'. When I asked if it would make more sense to just run the numbers through her credit score alone he said no.
• My question for that is: is that bullshit?
Also, I saw the "how to shop for a used car" post in this sub, but I'm still confused on some things.
• Where do I find rebates?
• How do I bring my own financing? Just go to the bank and bring my own interest rate? What information does the bank need?
• I found the same car at another dealership. How do I go about negotiating between the two of them?
Submitted July 12, 2017 at 07:44AM by legalthrwy9 http://ift.tt/2vcngiu
