Credit Score

[pickles]

What sort of documentation do they require? My wife is a w-2 employee (makes more than I do), I am self employed/1099...

They just use your ssn and get the scores. They don't need any documentation. I am self employyed , they never asked for any of that

 

[pickles]

If you are just getting an add on, would you automatically get the preferred rate?

There was a Vero Resale of 25 points for 1600, 64 per point.

standard - 100 point AKL add on $10,080 financed, $9,360 interest paid

preferred - 100 point AKL add on $10,800 financed, $6,514 interest paid

that would mean, that if the loan went the full term, I would save $2846 in interest. But with the $1600 paid for Vero I would still save over $1200.

Is this in fact, correct. Add on's get preferred financing?

this was my experience. They wanted a large amount down and a bad rate back in sept buying direct from disney. rather than do that I took my down amount, bought a small resale in cash. Then, once a member I added on 2 small coontracts via disney.. They used thier credit thing they give you(the $5.00 or whatever off a point) as the down, and they gave me the better rate

I guess they figure they have you trapped somehow