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Hi All,
I have been working on my credit to try and refi my current loan with exeter finance over to DCU. Unfortunately my score is still not the strongest, I am going to give it another 6 months gardening and hopefully I will see a nice bump since my util will be closer or less than 30% also my loan will be close to 2 years without any lates. I have never applied with them I just opened an account a few weeks ago. Hopefully this will help when it comes time to apply.
Anyways, I would like to see what are the lowest scores that DCU has approved. Could you please share?
Date:
Amount and Interest:
Credit Score EQ Auto 04 or 08:
Anyother approvals?
Thank you Guys!
Thanks! That helps, that score is currently lower than 675, I read somewhere else that you have to have at least 620 to avoid the instant denial.
Anybody else?
Thank you.. Anybody else want to chime in?
You'll get an email from them that your interest rate will be knocked down a quarter of a percent for 3 consecutive on time/early payments. They send a message. I just got mine this morning.
They'll do it up to a total They'll keep doing that for each three months until a total reduction of 1.50%.
Stay on top of those payments and the rewards program will help reduce that rate significantly.
@gibeon wrote:
Just refinanced yesterday. Their EQ was 657. Got 4.49 or 3.99 with direct deposit.
Utilization at 20%, 25+ Inquiries on EQ, and 18 new accounts this year. UW wouldn't approve me for more than the payoff, which is fine. Apparently all my new accounts, plus previous baddies put them off a bit.