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Old 06-04-2013, 12:08 PM   #1
OpnCskt
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Lost a customer

Tried to finance a scrambler 850 today. At a 724 credit score and just short of $6000/mo income I got declined. No rent or mortgage and only 1 car payment... I will not return to Stubbs again.
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Old 06-04-2013, 12:10 PM   #2
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lol and thats stubbs fault

I didnt know they did in house financing

6k a month and no mortgage you should be able to pay cash
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Old 06-04-2013, 12:10 PM   #3
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Something doesnt add up
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Old 06-04-2013, 12:11 PM   #4
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Something doesnt add up
this
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Old 06-04-2013, 12:12 PM   #5
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Hmmm
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Old 06-04-2013, 12:12 PM   #6
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Its in their best interest to get you financed. Seems silly to blame them for not being able to finance
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Old 06-04-2013, 12:12 PM   #7
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Its in their best interest to get you financed. Seems silly to blame them for not being able to finance
get out of here with that bs

im gathering my pitchforks, and shovels is fire too much?
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Old 06-04-2013, 12:13 PM   #8
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That probably has nothing to do with Stubbs, but with the financing agency. Technically they didn't lose one since you weren't approved to buy it. I don't like to use outside financing. I'd much rather use my credit union. Try your personal bank for the loan.
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Old 06-04-2013, 12:15 PM   #9
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I was turned down with a 60% down payment. I wanted a new ZX10. After I was turned down, I went to get my 954 with cash. I'm glad I did.
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Old 06-04-2013, 12:19 PM   #10
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That probably has nothing to do with Stubbs, but with the financing agency. Technically they didn't lose one since you weren't approved to buy it. I don't like to use outside financing. I'd much rather use my credit union. Try your personal bank for the loan.
No, they are losing a customer. I've spent close to $10k at Stubbs 59 in the last year. Apparently 724 isn't enough credit lol but he said the minimum is a 650 to be approved.
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Old 06-04-2013, 12:20 PM   #11
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I was turned down with a 60% down payment. I wanted a new ZX10. After I was turned down, I went to get my 954 with cash. I'm glad I did.
a hundred in 1st gear never gets old though
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Old 06-04-2013, 12:20 PM   #12
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No, they are losing a customer. I've spent close to $10k at Stubbs 59 in the last year. Apparently 724 isn't enough credit lol but he said the minimum is a 650 to be approved.
You must have some derogatory info that the financing company didn't like....
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Old 06-04-2013, 12:23 PM   #13
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Quote:
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No, they are losing a customer. I've spent close to $10k at Stubbs 59 in the last year. Apparently 724 isn't enough credit lol but he said the minimum is a 650 to be approved.
You do understand that it isnt their fault that the credit wont go through right? Its not ALL about the score. There is something holding you back. Since its required by law that you be informed, you should know soon enough enough what THAT is. Not that I expect you to disclose it, but I'm sure you already know what it is
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Old 06-04-2013, 12:29 PM   #14
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Someone's credix ain't as good as they thought....
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Old 06-04-2013, 12:31 PM   #15
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There isn't ! He said "you don't have anything big on your credit. It's all small things you've paid off. Nothing negative just not enough positive." But I'd say a 724 credit is pretty strong backed up by $5800/mo income and no other bills but 1 car payment... Lol and I didn't even know the score was that high until they told me...
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Old 06-04-2013, 12:32 PM   #16
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Old 06-04-2013, 12:33 PM   #17
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Lack of history is a problem too
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Old 06-04-2013, 12:34 PM   #18
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I was there not to long ago to buy my 12 cbr1000rr and they were trying to knock my head off with the rate. I make good money and have very little debt and was putting close to half down with a 700 score.. Wasnt happy with the rate so I just ended up paying cash. The manager told me that the bike loan is a very high risk loan because its a toy and its the first thing that people neglect and get behind on
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Old 06-04-2013, 12:35 PM   #19
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Lack of history is a problem too
Obamacare.
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Old 06-04-2013, 12:36 PM   #20
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great credit problems.
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