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New Contributor
Posts: 64
Registered: ‎11-17-2012
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Re: Auto Loan Approvals!

APPROVING BANK: NFCU
BUREAU PULLED:EQUIFAX
CREDIT SCORE:601
CUSTOMER STATE OF RESIDENCE:NC
NEW/USED: USED
YEAR OF VEHICLE: 2012
MAKE: dodge
MODEL: GRAND CARAVAN SXT
MILEAGE: 30,000
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $22,700
TERM CONTRACTED: 72 months
APR/LEASE RATE: 9.04 %
MONTHLY PAYMENT: $419
ANNUAL INCOME: 46,000
MISCELLANEOUS COMMENTARY:
NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
Contributor
Posts: 81
Registered: ‎07-02-2012
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Re: Auto Loan Approvals!

[ Edited ]

APPROVING BANK: NFCU
BUREAU PULLED: EQUIFAX
CREDIT SCORE: 665 (DONT KNOW WHAT THEY PULLED BUT THATS MY JANUARY FICO)
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2013
MAKE: SUBARU
MODEL: BRZ LIMITED
MILEAGE: 101
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: $30,000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.84%
MONTHLY PAYMENT: $523
ANNUAL INCOME: $35,000
MISCELLANEOUS COMMENTARY: JUST TESTING THE WATERS SINCE MY CREDIT REBUILDING JOURNEY. WAS VERY SHOCKED TO BE APPROVED FOR THIS RATE. NFCU IS WHERE IS AT. NOW FOR SOME SOUL SEARCHING.

USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k
Established Contributor
Posts: 573
Registered: ‎10-21-2012
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Re: Auto Loan Approvals!

Wow! jrodzmc09, what's your last credit score?  It looks like your sig is getting cut off.  All I can see are your starting scores of 644/628/630

 

I'm NFCU and am hoping to get an auto loan in March so I'm hoping your scores aren't too much higher than mine! :smileyhappy:



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Contributor
Posts: 81
Registered: ‎07-02-2012
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Re: Auto Loan Approvals!


electra wrote:

Wow! jrodzmc09, what's your last credit score?  It looks like your sig is getting cut off.  All I can see are your starting scores of 644/628/630

 

I'm NFCU and am hoping to get an auto loan in March so I'm hoping your scores aren't too much higher than mine! :smileyhappy:


My last EQ for January was at 665. I was just testing waters on all this auto loan stuff too. Especially since I just got a CC & OLOC with NFCU and didn't want them to think I was a little credit hungry. Anyways long a behold got the rate.. LOL. Got 2 foreclosed loans due to fall off this DEC and 1 CO and 1 Collection. That being said you should be fine. Just go for it. :smileyvery-happy:

USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k
Established Member
Posts: 16
Registered: ‎12-21-2012
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Re: Auto Loan Approvals!

Congrats! Did you already have an account with Capitol One? I'm looking to apply for an auto loan and the loan officer has told me this would help.

In my Wallet CapOne Cash Back $3000, Apple FCU $1000 Victoria Secret $500, CapOne Journey $1000, Amazon.com $800


Starting Score:1/2012 504
Current Score: EQ: 665 TU 637 EX: 671
Goal Score: 700 across the board
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Frequent Contributor
Posts: 364
Registered: ‎04-04-2012
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Re: Auto Loan Approvals!

APPROVING BANK:Capitol One Auto 
BUREAU PULLED:All 3
CREDIT SCORE:EX(CS) 690, EQ Beacon 631 TU(CK) 687, don't know if they used Auto Enhance thou....
CUSTOMER STATE OF RESIDENCE:MD
NEW/USED:New
YEAR OF VEHICLE:2013
MAKE:Subaru
MODEL:Impreza 
MILEAGE:0
RETAIL/LEASE:Retail
AMOUNT OF LOAN:24k
TERM CONTRACTED:72 months
APR/LEASE RATE:3.57
MONTHLY PAYMENT:370?
ANNUAL INCOME:67k
MISCELLANEOUS COMMENTARY:Never taught i were going to be approved for such a rate with my scores and my rocky credit history. A little background, I had really,really bad credit due to a crippling divorce in 06.Have 2 paid judgments,1 paid collection(from 5 that i had) 2 old charge offs, a car loan paid with only 2 lates in 07. 
Read and read...and then....read some more....


Starting Score: 603 myfico EQ,648 myfico TU april 2012
Current Score: 608 myfico EQ
Goal Score: 660 myfico EQ july 2012??


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Contributor
Posts: 81
Registered: ‎07-02-2012
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Re: Auto Loan Approvals!


nikolean wrote:

Congrats! Did you already have an account with Capitol One? I'm looking to apply for an auto loan and the loan officer has told me this would help.


No. I hate Capital One.

USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k
New Contributor
Posts: 57
Registered: ‎11-13-2011
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Re: Auto Loan Approvals!

This thread is to be used for your Auto Loan Approvals just copy and paste!
 
APPROVING BANK: PEFCU
BUREAU PULLED:Experian
CREDIT SCORE:657
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: USED
YEAR OF VEHICLE: 2009
MAKE: Altima
MODEL: SL
MILEAGE: 26K
RETAIL/LEASE: 
AMOUNT OF LOAN:16,200
TERM CONTRACTED:57
APR/LEASE RATE: 2.49
MONTHLY PAYMENT:301.64
ANNUAL INCOME: 37K
MISCELLANEOUS COMMENTARY: No down payment  and the price included GAP insurance. Very pleased with the interest rate.
New Contributor
Posts: 52
Registered: ‎06-21-2011
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Re: Auto Loan Approvals!

APPROVING BANK: Mazda Finance - JP Morgan Chase
BUREAU PULLED: TU
CREDIT SCORE: Transunion 04 - 649; Transunion 08 - 689
CUSTOMER STATE OF RESIDENCE: NJ
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Mazda
MODEL: CX-5
MILEAGE: 70
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22,000
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 0.9%
MONTHLY PAYMENT:
ANNUAL INCOME: MISCELLANEOUS COMMENTARY: 
Valued Member
Posts: 43
Registered: ‎08-11-2009
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Re: Auto Loan Approvals!

APPROVING BANK: Capitol One
BUREAU PULLED: All three
CREDIT SCORE: Transunion - 662; Equifax; 687; Experian; 671
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Camaro
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $24,638
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 8.9%
MONTHLY PAYMENT: 432.00
ANNUAL INCOME: $40000
 
APPROVING BANK: Baxter CU
BUREAU PULLED: All three
CREDIT SCORE: Transunion - 662; Equifax; 687; Experian; 671
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: 2013
MAKE: Chevy
MODEL: Camaro
MILEAGE: 0
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $23,678
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 4.25%
MONTHLY PAYMENT: 395.00
ANNUAL INCOME: $40000
 
 
Before anyone comments, yes I have 2 camaros.  One white, one black....I couldnt decide.  BK 05, one 30day late student loan 06/2009. 
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