ESTES Express (5 Year Review)

I used NASA credit union. You can apply online. My rate was 3.7% on an f250. They just take payment out of account automatically. No issues.

 

Credit Karma is garbage. Only thing they are good for is to monitor activity on your credit files. Otherwise their scores are not what is used by lenders.
Lenders use your "fico scores". And there are different algorithms to calculate your score for every different type of financing. In other words you have different credit score for auto financing, a completely different set of scores for mortgage, different set for credit cards etc etc.

You can get your fico scores from myfico.com. you have to pay for them tho.

Anytime I'm financing something I always subscribe to them and make changes or pay things off to tweak my scores for better rates before I go in.

 

You can request your full credit score and report directly the major 3 for free once a year. Just to let you know!

 

No problem.

 

Yes but with myfico you can monitor them and get updates if they go go up or down etc. Plus they give you your actual real credit scores for every type of different financing. The annual free report does not include those which are important.
Especially when it comes to mortgages. Your mortgage scores can be 100 points different from the scores they show you.

 

All great points, I will have to check them out in the future.