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
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