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Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Refi Approval from NFCU w/ unpaid CO on EXP

I have an unpaid CO on my EXP (accruing opened in 2009 & CO in 2010)
I want to refi my 19.99% auto loan with tidewater motor credit to a lesser interest rate with NFCU - hopefully in February.
I've been with NFCU since 2007 I think and opened a CC ($6k) with them in dec 2011. I have a couple of CDs with them too. They've only pulled my TU in the past .

So do u think i would be approved for a refi with this unpaid CO on my EXP?
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
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HoldingOntoHope
Posts: 1,057
Registered: ‎09-29-2009

Re: Refi Approval from NFCU w/ unpaid CO on EXP

NFCU generally pulls Equifax and sometimes Transunion. So if this collection is only showing on EX then they won't see it. Since you already have a credit relationship with NFCU I would guess that your approval odds are good.

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Starting Score: 500's
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Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: Refi Approval from NFCU w/ unpaid CO on EXP


HoldingOntoHope wrote:

NFCU generally pulls Equifax and sometimes Transunion. So if this collection is only showing on EX then they won't see it. Since you already have a credit relationship with NFCU I would guess that your approval odds are good.


I would think so too- i just wanted to be sure. I cant wait to check my FICO score  in February to try to guesstimate what kind of rate I will get......

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13

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