07-31-2013 06:08 AM
07-31-2013 08:35 AM
Paying down util is one of the fastest ways to get a "bump" in your scores. Yes, he should qualify for a loan, maybe not the best terms, but decent ones.
07-31-2013 09:23 AM
Kia is pretty good, dealerships will shop your husband with that score for the best rate. I have seen ally bank and gm financial rate a score as low 626 an A tier.
Were you going to obtain your own financing before going to the dealership?
07-31-2013 09:40 AM
hopefully, we were thinking of using nfcu, but I dont want to apply a bunch of places because I don't want to take all the hard pulls, Doesn't NFCU do an inquiry when becoming an member as well?
07-31-2013 10:31 AM
Yes but you have to meet their member requirements, you will have 14-30 days from the first hard inquiry to get this done otherwise they will be all hard pulls, pulling your score down
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO