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@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.
@Anonymous wrote:42k...my goodness.. what on earth car was this.
Maybe something like this?
Whats the note on a 42k@ 2.29?
@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
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.
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.
@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.
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.
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