Thanks for the response!
Thats good info to know.
Unfortunately, you lost me here..... What is this? It's all Greek to me. i've never re-financed anything before so I'm a total newbie to this.... Filing a title lien to whom? I can deliver the payoff to my lender no problem. What is a title holding state? i'm guessing that this means that a customer can hold the physical title despite the lien.... time to google! 
webhopper wrote:In march they pulled TU for a refi and in October they pulled EQ for a new car loan. the 250 shows up as a credit in your shares account... the car loans with nfcu are awesome... you can either pay from any of your nfcu accounts or you can set up an external transfer from another account. I faxed in all of the info they needed but you can probably send it all via secured message center. Pay stubs and w2s.
be prepared to file the title lien yourself and to take care of delivering the payoff to your current lender. Once you get the new title in listing navy as the new leinholder you either mail it in to them or keep it if you are in a title holding state.
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
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