http://ficoforums.myfico.com/t5/Auto-Loans/penfed-refinance/m-p/1828307#M27564 <p>To be honest, there is very little chance of that happening. PenFed is a very consevative llender and has some pretty inflexible credit requirements. They require a near perfect payment history of about 2-4 years, especially on account of any current auto loans. Moreover, they also need a pretty low CU, something well below 30 percent, especially if your mother is looking for the 1.99 percent/60 months refi deal.</p> Wed, 23 Jan 2013 05:51:55 GMT Barris 2013-01-23T05:51:55Z http://ficoforums.myfico.com/t5/Auto-Loans/penfed-refinance/m-p/1818123#M27464 <p>What is my mom chances to refinance with penfed? TU 677  1 30 day late 07/08, 1 60 day late 12/11, 1 90 day late 10/10 charge off 2008 paid 05/10 EQ 672  1 60 day late 07/08, 1 30 day late collection in 2008 paid 03/10. Any help will be greatful.</p> Thu, 17 Jan 2013 18:14:59 GMT http://ficoforums.myfico.com/t5/Auto-Loans/penfed-refinance/m-p/1818123#M27464 josie 2013-01-17T18:14:59Z http://ficoforums.myfico.com/t5/Auto-Loans/penfed-refinance/m-p/1828307#M27564 <p>To be honest, there is very little chance of that happening. PenFed is a very consevative llender and has some pretty inflexible credit requirements. They require a near perfect payment history of about 2-4 years, especially on account of any current auto loans. Moreover, they also need a pretty low CU, something well below 30 percent, especially if your mother is looking for the 1.99 percent/60 months refi deal.</p> Wed, 23 Jan 2013 05:51:55 GMT http://ficoforums.myfico.com/t5/Auto-Loans/penfed-refinance/m-p/1828307#M27564 Barris 2013-01-23T05:51:55Z