fearthisinc
Mouseketeer
- Joined
- Oct 9, 2006
- Messages
- 101
Ok.. So after speaking with the rep.. Discussing our plans and what we get out of the DVC we are thinking we might be better off going directly through DVC.. We looked at resale for the Polynesian (and other resorts) however we like the idea of having the ownership for the next 48 years and being able to pass it down.. The benefits of membership which include the discounts off the annual passes also help as it will save us $100 off each pass.. We are currently a family of three with the baby turning 2 this summer.. Soon he will be needed a pass and we also anticipate having 1 or 2 more kids.. As you can see the savings on the annual passes keeps growing.. Over the course of 48 years you are looking at somewhere between $18k - 24K.. Granted that is based off getting an annual pass every year..
Anyway, I was wondering if anyone has any inside info on how the financing works through disney.. I have read a few posts where some mention that they just look at your score and then dont actually report anything to the credit companies.. The way the rep made it sound was that they literally run your credit to get the score which tells them what category you fall in.. I have the "free credit report" thing and just ran all three to see where I was at.. The three scores ranged from 762 - 767.. Anyone know what the formula is for determining if you qualify for the standard, preferred, or premium rate? and before anyone says anything about financing.. We are putting a large chunk as a down payment.. Roughly 45% which we are putting through a credit card to get the bonus.. So we would only be financing a small amount through Disney which we plan to make extra payments on..
Anyway, I was wondering if anyone has any inside info on how the financing works through disney.. I have read a few posts where some mention that they just look at your score and then dont actually report anything to the credit companies.. The way the rep made it sound was that they literally run your credit to get the score which tells them what category you fall in.. I have the "free credit report" thing and just ran all three to see where I was at.. The three scores ranged from 762 - 767.. Anyone know what the formula is for determining if you qualify for the standard, preferred, or premium rate? and before anyone says anything about financing.. We are putting a large chunk as a down payment.. Roughly 45% which we are putting through a credit card to get the bonus.. So we would only be financing a small amount through Disney which we plan to make extra payments on..