Wow, I guess I got lucky,,,,my credit was in the high 400 range. I went to "Wings financial" credit union here in Atlanta, told them what I wanted to do, they showed me what I needed to clean up (which did nothing for my score). I took care of those 3 items, and they cut me a check for the whole amount ($6892) for my '05 TBA at 4.5% apr. Apparently "Wings" had lost ALOT of Northwest Airline mechanics, and were anxious to get Airtran mechanics, and they assure me if I want another TBA for Kimmy (my wife), that there would be no problem. They take my bike payment right out of my paycheck...really sweet deal...Try "Wings Financial Credit Union"...they are really flexible.....
