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Congrats Swampthing, sounds like it was a great success.
Point of clarification: EQ 04 is what my fico calls the Mortgage Score 5?
Could anyone tell me who DCU is? I've researched on the forums and would like to refi my auto loan as well, but I cannot locate anything.
Thanks for your help.
Will do thank you!
I am wanting to refi the vehicle we just got pre discharge a week ago, what score do you need to qualify for a refi with DCU and will they refi once we are discharged? Our rate is 17.18% with a $499 a month car note starting Aug 19th. I don't want to pay this high rate for 72 months. Thanks for the help.
Congrats!! Just went through the same process today, feels so good to get rid of subprime rates
I would advise you to call them. But frankly with your scores, I do not think you will get anywhere. You're painfully far from where most institutions would consider minimally acceptable.
Luv2Cruise you will not get in with DCU at your current level. Your going to need to pay on your current loan for at least a year and work on bringing your score up after bankruptcy. Unfortunately your score is likely to fall lower once the auto loan reports. If you manage your credit well for the next year I think you would have a decent shot at a refi below 5%