financing?

[JDPx4]

We have a less-than-perfect credit history and are interested in DVC. Should we even TRY to get this?

 

[ripleysmom]

Sure, DVC rarely turns anyone down. They might make you put down a larger deposit and pay off the points sooner but from what i have read they're pretty flexible with the credit terms.

Kimberly-Lucas and Ripley's Mom

 

[TeresaNJ]

I felt the same way as you. Due to a not so pleasant divorce a few years ago, and some other uncontrollable events, my credit history wasn't so great either, but Disney never even blinked an eye. I do have to say that my credit history over the last two years has been perfect, and my new DH's and my's income is sufficient to pay for DVC, and we don't have much debt, so that may have weighed in our favor. I truly expected to have to write some type of explanation letter, or at least answer a few questions, but that didn't even happen. At least try, you never know, you have nothing to lose, but if you don't try, you've already lost.

<font color=FF0066><font size=4><marquee><font face=Disney Print>"SPRING HAS SPRUNG!!"</font></font></marquee></font>

<font color=green><font face=Disney Print>Polynesian 1985, 1990, GF 1992, BC 1995, 1997, BWI 1998, PO 1999, BWV 1999, WL 2000, OKW 2000, AKL\VWL May 2001, VWL Oct 2001, DIS CON. POR\VWL Nov 2001</font></font>

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[eva]

If you feel that you can afford it then go for it! DVC seems to be very liberal (sorry for the term Rich) when giving approval for a DVC loan. I guess they figure they have nothing to lose. If you are behind on any payments you can not use the points. They still have the property so they can just sell the points to someone else. I bet that is where some of the points come from when people are able to buy add-ons after a resort sells out.