Personal Finance & Money Asked by Anastasia on December 18, 2020
My fiance and I went to Chrysler Dodge Jeep dealership to lease a car, nothing fancy just a Jeep under 30k. During an appointment we were told that I have absolutely no credit history, which is very strange as I have 6 credit cards since 2013 and 690 credit score report based on annualcreditreport.com. While, it’s true that I never owned a car in the US before and did not have loans or mortgage, I always utilized credit cards. They recommended to contact credit bureau. I couldn’t get trough to Experian but TransUnion said that they see no issues and it’s dealership’s system problem. However, the dealership keep saying that their hands are tied. I don’t know what to do? I don’t want to get a co-signer. Would you have any recommendations?
690 credit score report based on annualcreditreport.com
AnnualCreditReport.com itself does not provide or entitle you to credit scores. Did you purchase your FICO score from one of the bureaus while obtaining your reports? What did the reports themselves show?
TransUnion said that they see no issues
Does this mean you do have data in your TransUnion credit report, including the expected 6 credit cards? Note that a given lender may pull your report from only one bureau and it may not be TransUnion. Did the dealership say which bureau(s) they used? Did you get the corresponding report from AnnualCreditReport.com?
Answered by nanoman on December 18, 2020
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