SFarrow11 wrote:Congrats! I am looking to use them to finance an auto next month. I am not member yet, but I am eligible for membership. When you joined, did they do a hard pull? If so I will wait until I am ready to finance. Thanks.
In my case, I incurred a HP to join, a HP to refinance the truck which was purchased in 2011... went from 7.5% to 4.09% on rate for a loan with a balance of 19k... I also shaved one year off of the note by refinancing to a 36 month loan; I also incurred a HP to add the credit card that I was pre-approved for after submitting my paperwork for the Refinance. I was approved for the credit card with a credit limit of 22k.
In my case, all three HPs were well worth it!
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
