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Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013



NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009

Re: Cap One / Chase Denied.... Does it help to follow up?

thomcoogan wrote:

Holy cheese n crackers, approved 4.9% no money down.  Basically paying the same payment I was before, but now on a brand new car with 32 miles.  


1 year ago, 540 FICO - 19.5% 

Today, 620 FICO (with 710 FICO wife co-signing) 4.9%  


Honestly cannot believe it, especially after being denied twice online.  




In most auto loans (unlike mortgage loans) the higher credit score is used to determine the rates. So your ability to add your wife is a definite help for you in this case. But congratulations are still in order for your own progress.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

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