Credit Repair

672 Credit Score – ACTUAL Credit Score looked at to buy or lease a car


672 Credit Score – Whats The Best?

You can obtain FICO scores from individual credit bureaus ($15.96) or from all three ($47.88)
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  1. John Brothers
    August 1, 2021 at 8:28 am

    Great advice Ari. Knowing your FICO score is extremely important any time you get a car loan or a home loan – it can save you thousands on a car loan, tens of thousands on a home loan.

  2. PantherZL1
    August 1, 2021 at 8:28 am

    I went to one dealer they told me my score was 491 I told him I literally just checked my score 4 days ago its noway its that low then he told me he looked at the wrong score and my score was actually 627 I took my business elsewhere lol

  3. O K
    August 1, 2021 at 8:28 am

    So how do you get a fico auto score if you never bought a car but only have credit cards

  4. Toya Janelle
    August 1, 2021 at 8:29 am

    Hi just now watching your video. Great info! Question – If I already signed up at Experian site and requested the 3 bureaus, is that the same information that I would get from the site that you recommend?

  5. Shells
    August 1, 2021 at 8:29 am

    Mazda told me they looked at Equifax and not FiCO 8 but regardless thanks to you I got my FICO8 for free via the Experian App and disputed old credit card balance paid and boosted it 23 points in a couple day’s! I was confident to ask for the lowest possible rate and discounts. 1.9 percent for 60 months (Cx30) or .9 for 60 months (CX5). I went with the CX-30 because it’s newer and the tech seemed more advanced. The Experian app told me I’ll lose at least 5 points from getting a new car loan 😐

  6. SoFlo Latino
    August 1, 2021 at 8:29 am

    Wonderful info, great to know! 😊🤙

  7. AMarie
    August 1, 2021 at 8:29 am

    Hmmmm, although all my car payments automatically come out and I’ve never missed a payment I’m curious what my actually score is.

  8. Marshall Fox
    August 1, 2021 at 8:29 am

    Been using credit karma since 2014 and my current lease from 2017 had about a 30- 40 point difference from what credit karma said trans union reported vs what the dealership printed out from trans union when finalizing the paperwork. My only guess was real fico score vs vantage score?

    Also, my equifax report on credit karma seemed to have vanished or restarted my credit history with my 2017 lease too. Like it didn’t show any previous account histories or balances etc and my credit score dropped some. So in the last two years it’s steadily increased but not what it used to say. To this day I have no idea why that happened. Very weird!

  9. Henry Vang
    August 1, 2021 at 8:29 am

    Great videos!!! Had to sub right away!! Keep up the awesome work!

  10. John Anderson
    August 1, 2021 at 8:29 am

    if they say it is lower, walk away… plenty of dealers needing the sale…

  11. Chuwee Valiant
    August 1, 2021 at 8:29 am

    Hey Ari, what if I have a good FICO score of 700 but have never got a car loan/car note before. How would that affect my FICO auto score ?

  12. John Slocum
    August 1, 2021 at 8:29 am as stated, you get all 3 credit reporting agencies giving you a FREE report once a year.

  13. ronald quillin
    August 1, 2021 at 8:29 am

    Ari, thanks for the effort and info.

  14. Nosley Garcia
    August 1, 2021 at 8:29 am

    This guy is just selling shit thats all!!! My FICO SCORE and CreditKarma are just 2 points apart.

  15. Wilson Rosario
    August 1, 2021 at 8:29 am

    Aren't you entitled to a (free fico score)one every year by the credit bureau?

  16. mark p
    August 1, 2021 at 8:29 am

    All they look at when I buy a car is me writing a check. Buying cars on credit or leasing is about stupid unless it's your very first car and you need it to get to work with a new job. Then you should buy the lowest cost most reliable car possible like a Corolla or Yaris. Save up and pay cash for the next car after about 10 years of driving your first car.

  17. Nick Stat
    August 1, 2021 at 8:29 am

    Learn something new every day. I use experian to always check my credit. Makes more sense about that autoscore

  18. FordifiedTroll
    August 1, 2021 at 8:29 am

    I hope your right about auto lenders using the Fico Autoscore 8 or 9 as you said because my score is lower on the fico auto 2,4 and 5

  19. Jack Hearn
    August 1, 2021 at 8:29 am

    Hey Ari! Ive been watching a lot of your videos for advice on my current situation. Im currently leasing a 2015 Kia Optima SX Turbo which only has 29k miles on it. My lease ends next month with my mileage cap at 40k. I love the car but have been leasing cars for the last decade. The buyout is $16.5k. KBB says its worth $18.5k. And my credit union, with whom i got a 2.49% interest loan to buyout the car, says the dealer will try and sell it for about $20k. Should i buyout the lease or use my well taken care of low mileage car to negotiate getting into a new car? Kia is currently offering 0% financing on purchasing new cars. Thanks again! And thank you so much for sharing your wisdom!

  20. thel45t
    August 1, 2021 at 8:29 am

    Hey brother, here requesting a title change for this vid: "FICO Score Explained Like a Boss" LOL Very informative vid…..

  21. roni rones
    August 1, 2021 at 8:29 am

    My FICO auto scores are 790+ (all bureaus and versions), ~$100k income, and single-digit DTI. However, I have a low total credit limit and I never had a luxury car payment. I don’t want to waste hard pulls just to get denied. What do you think my chances are for getting approved for a lease at buy rate on a ~$70k vehicle?

  22. Nick Stat
    August 1, 2021 at 8:29 am

    Armenians are excellent with credit and knowing numbers. I suck at it

  23. Johnathan Bishop
    August 1, 2021 at 8:29 am

    I appreciate your advice bro!! Great video!

  24. David Speakman
    August 1, 2021 at 8:29 am

    It is AMAZING to me how many people do not know this. And it is important info. in a buying decision that involves a lender. Actually, I spoke to a mortgage lender about this and he said that they (his bank) use FICO score 4 and that it should be the most complete, accurate score. Even he wasn't even aware of a FICO Auto Score. He was correct in that it would be the most accurate in a general sense, and of course for a mortgage lending decision, but not true that it has any impact on your car purchase. You HAVE to know your Auto score specifically. And, I would even ask the dealership which credit bureau they pull your Auto Score 8 from. 1 – they can vary so it is good to know and 2 – it tells them that you are knowledgeable and most likely know your score.

  25. The Sounds of the Suburbs
    August 1, 2021 at 8:29 am

    I subscribe to and I highly recommend it.

  26. Ron Scott
    August 1, 2021 at 8:29 am

    You can get your credit reports for free as authorized by federal law by visiting this is the only source for your free credit reports. You have a right to view these once every 12 months.

  27. TheCritic609
    August 1, 2021 at 8:29 am

    Ari this video genuinely helped open my eyes.
    I've always seen FICO being used around but stayed ignorant because I assumed my credit karma was really good(I'm under 25).
    Fucking wow – thanks for the awesome information brother!!