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Has anyone secured an auto loan from DCU with major late payments on their report? I've got a 40 month old 120-day late on a student loan that I am trying to have removed from my EQ. Of course now I've found a used car that appears to be a good deal in my area and I think I need to make my move. My current score is 683 with the baddies. My TU and EX are 762 and 753. On all three reports I also have one 30-day late car payment from 2011.
Thanks for that feedback. I'm nervous about applying. I thought my EQ would be cleaned up by now.
I have 4 120 day late payments on student loans from 1.4 years ago that are now current. Same credit score range as you (high 600's). I was approved for $18k at 3.99%. Give it a shot and if you plan on shopping around, do them all within a 2 week period.
should i app for dcu
score is 645 all three
hisotry
1 repo on '09
5 collections nearly 6 yrs old unpaid
i need to refi
right now im paying 440/ month @ 18%
remaining amt is 12k
i want to lower the payment if possible
any suggestions?
Refinancing is much easier when you have an auto loan already. It's less risky for a lender to take it over because you have proven worthy by paying your payments on-time.
Your rates will depends on your score not really whatever else is on your CR especially if it's a few years old. I got 4.49% from Logix with a 649 EX score, repo from 2009 and charge-off from 2008.
All my other collections are gone, including Midland. My UTI is 45% but it should be lower as my $1,000 CLI hasn't shown up yet on my report.
However I can't trade-in my car and carry the negative balance. So I did the next best thing for now...