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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?
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 
Starting Score: 500's
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......
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