Reply
Valued Member
Posts: 31
Registered: ‎05-12-2008
0

I want to refinance my truck using my equifax score.........

Can someone please help me,I want to refinance my truck,i am currently with drive financial  they are a consumer finance company and i am tring to get away from this 22.99% apr,my equifax score just shot up yesterday to a amazing 739 with only a few late payments from a old car loan from 1995.
 
 
I just tried to apply online with Patelo credit union and was declined,who gave me credit said they were pulling from equifax,but i think they pulled from experian which is my lowest score @ 624 with 1 collection and 3 semi baddies,experian is the only one showing this because they refuse to delete anythingSmiley Mad
 
My transunion is my second lowest@630 with 2 baddies,i am tring to find loan company who pulls equifax,im looking for the lowest apr i can find,if anyone could help me i would really appreciate it.
 
 
 
 
Creeping back on a come-up.....TU-630........EX-624........EQ-739.........
Creditscore was down,but now its wayyyyy up.
Valued Contributor
Posts: 1,291
Registered: ‎02-26-2008
0

Re: I want to refinance my truck using my equifax score.........

[ Edited ]
If you are clean on your Equifax, util <25%, newest account over six months, and no recent inquiries, I'd go for Penfed and their nice rates. Other good places are NFCU and local credit unions. Most pull EQ.

Message Edited by erchambers on 07-03-2008 03:09 PM
Valued Member
Posts: 31
Registered: ‎05-12-2008
0

Re: I want to refinance my truck using my equifax score.........

Thanks,I Have1 inq and that was yesterday from roadloansand i am disputing that because they pulled my report without my permission
Creditscore was down,but now its wayyyyy up.
Valued Member
Posts: 31
Registered: ‎05-12-2008
0

Re: I want to refinance my truck using my equifax score.........

oh yeah i have a high usge on the one credit card i own
Creditscore was down,but now its wayyyyy up.
Valued Contributor
Posts: 1,291
Registered: ‎02-26-2008
0

Re: I want to refinance my truck using my equifax score.........

Sounds like you should go talk to someone at a local CU. You might be able to find one at http://creditunionaccess.com/.
Valued Member
Posts: 31
Registered: ‎05-12-2008
0

Re: I want to refinance my truck using my equifax score.........

WELL I JUSTJOINED PenFed  and the lady told me they pull EQ so if i get  a great rate then i will try to apply for 1 credit card hopefully with 739 i get it, how do they count auto inqs i did all my shopping around today
Creditscore was down,but now its wayyyyy up.
Valued Contributor
Posts: 1,291
Registered: ‎02-26-2008
0

Re: I want to refinance my truck using my equifax score.........

Penfed is neat on INQs. They pull one when you join, then anything you apply for during the next 60-90 (no certain consensus) days will be considered from the same INQ.
Valued Member
Posts: 31
Registered: ‎05-12-2008
0

Re: I want to refinance my truck using my equifax score.........

Now thats my kind of company i should know if i qulify for the auto refinance and the credit card tomorrow i really hope i get that card so i can transfer my balance from Hsbc because have been real
#$@% as of lately they will not even give me a credit line increase with a 739 score oh well they have
help me to get my credit back on track when no one else would give me a card,
 
Do you know of any banks with the Amex logo who pulls EQ
Creditscore was down,but now its wayyyyy up.
Valued Member
Posts: 34
Registered: ‎03-30-2008
0

Re: I want to refinance my truck using my equifax score.........

Try AMEX Delta Sky Miles or Hilton Honors.
Valued Member
Posts: 31
Registered: ‎05-12-2008
0

Re: I want to refinance my truck using my equifax score.........

I will try hilton honors because i have a pre-approve letter from them,i was denied for my PENTAGON FEDERAL LOAN/CREDITCARD they say i have a recent or past deg on my equifax Smiley Sad which is some late charges on a old loan,i am going to send a reconsideration letter showing that the account is closed and was paid in good standards,i knew i should have waited before i applied.
 
I was thinking since my score is 739 i would make it,does anyone know how much my score might drop for being denied....hopfully not under 720.......
Creditscore was down,but now its wayyyyy up.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.