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

Senior Contributor

RE

Congrats!!

Message 11 of 12
Valued Contributor

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.  

Hooray!

 

 

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


Take the FICO Fitness Challenge

Message 12 of 12