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From 12.3 to 6.7!!

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tcbofade
Super Contributor

From 12.3 to 6.7!!

DW is getting ready to apply for a mortgage.  We needed to improve her DTI to make it possible, so I refinanced our auto loan on my own, and cut the interest rate from 12.3 to 6.7%.

 

Saves us over $43 a month, and we get to take a month off!  YAY!

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 1 of 3
2 REPLIES 2
creditnocash
Valued Contributor

Re: From 12.3 to 6.7!!

congrats. 

 

do you mind me asking your scores? 

trying to finance right now but dont want to take hits since i have a few new tradelines. 

 

pm if you could please. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 2 of 3
tcbofade
Super Contributor

Re: From 12.3 to 6.7!!

PM sent, but I don't mind posting them here.

 

TU 642, EX 670, EQ 656.

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 3 of 3
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