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APPROVED*thank You*

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Shogun
Moderator Emeritus

Re: APPROVED*thank You*


@jkjklkjkl wrote:
(removed by Moderator --SE)

Some posts were removed for being unfriendly.  Also, religion is one of the things we do not debate on the boards.  Thank you.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 19
TRC_WA
Senior Contributor

Re: APPROVED*thank You*


@Anonymous wrote:

42k...my goodness.. what on earth car was this.


Maybe something like this?

 

IMG_2255.JPGIMG_2263.JPG

 

Smiley Happy

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 12 of 19
Warrior2000
Regular Contributor

Re: APPROVED*thank You*

Whats the note on a 42k@ 2.29?

Message 13 of 19
SunriseEarth
Moderator Emeritus

Re: APPROVED*thank You*


@Shogun wrote:

@jkjklkjkl wrote:
(removed by Moderator --SE)

Some posts were removed for being unfriendly.  Also, religion is one of the things we do not debate on the boards.  Thank you.


Please note that further edits have been made to the thread to keep within our Forum TOS as follows:

 

*Specific references to a religious name have been replaced with a capitalized pronoun.   Our community is made up of members with a wide range of religious beliefs; the edits are intended to maintain the neutral position of the Forum while maintaining respect for diverse points of view within our community, including that of the OP.

 

*Discussion that was not on-topic and/or not FSR has been edited or removed from the thread.

 

Please note that discussion of religious thought, whether support or opposition, is off-topic for this forum.   As religion is a deeply personal subject, discussions may prove distracting from the topic of credit and can easily divert into exchange that is not friendly, supportive or respectful.   I thank you for your respect of the community and for your understanding.

 

SunriseEarth

Moderator

 



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 14 of 19
Anonymous
Not applicable

Re: APPROVED*thank You*

Congrats on the rate OP.  If you don't mind my asking, what were your stats at the time of your approval?...scores, DTI, baddies, etc.  I'll be rate shopping in June and was looking to get that rate on a used vehicle.

Message 15 of 19
Anonymous
Not applicable

Re: APPROVED*thank You*

APPROVING BANK: NFCU
BUREAU PULLED: EQ
CREDIT SCORE: 670
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2015
MAKE: HONDA
MODEL: ODYSSEY
MILEAGE: <50
RETAIL/LEASE: TBD
AMOUNT OF LOAN: 42k
TERM CONTRACTED: 72 months
APR/LEASE RATE: 2.29
MONTHLY PAYMENT: TBD
ANNUAL INCOME: 72,000 combined with DH
DEBT TO INCOME RATIO: 34% with rent
MISCELLANEOUS COMMENTARY: one old baddie that is about to fall off for $42. Credit history only a little over a year old.

Message 16 of 19
SunriseEarth
Moderator Emeritus

Re: APPROVED*thank You*


@Anonymous wrote:

APPROVING BANK: NFCU
BUREAU PULLED: EQ
CREDIT SCORE: 670
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2015
MAKE: HONDA
MODEL: ODYSSEY
MILEAGE: <50
RETAIL/LEASE: TBD
AMOUNT OF LOAN: 42k
TERM CONTRACTED: 72 months
APR/LEASE RATE: 2.29
MONTHLY PAYMENT: TBD
ANNUAL INCOME: 72,000 combined with DH
DEBT TO INCOME RATIO: 34% with rent
MISCELLANEOUS COMMENTARY: one old baddie that is about to fall off for $42. Credit history only a little over a year old.


Those sound like great terms!   Many members have enjoyed success with NFCU's various credit products.   I'm very glad they had a good offer for you.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 17 of 19
Anonymous
Not applicable

Re: APPROVED*thank You*

Thanks Doula.  As stated before my scores are similar to yours and I hope to get that rate once my utilization is optimized in June.  I get a 1% discount because I'm a SNCO.  I'd like to see DCU beat 1.29%.  NFCU is so awesome.

Message 18 of 19
Anonymous
Not applicable

Re: APPROVED*thank You*

Doula

 

you should also apply for their credit card using same FICO HP. Do it a week or so after your car purchase but before first payment reports to CRA 

Message 19 of 19
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