05-21-2013 09:05 PM
I was referring to masscredit approval for refi. They will use that same cr for a cc. I believe it's 30 days. Not to get confused with a sep HP for membership.
When was that reported? Maybe I'm getting it confused but I think there's been numerous stories here and on other forums that suggest otherwise?
I could be wrong, getting old.
05-21-2013 09:08 PM - edited 05-21-2013 10:21 PM
05-21-2013 09:11 PM - edited 05-21-2013 09:12 PM
05-21-2013 09:34 PM
I just applied online and was approved instantly for membership. I apped for a refi on my wifes minivan which has a rate of 4.75% so hopefully I get some more good news.
05-22-2013 03:41 PM
I cut the anchor and closed on my re-fi today! Went from 17.1% with Capital 1 to 1.99% with DCU. I had 4 1/2 years left on the old loan. Payment was $283.xx. New loan is 4 years with a payment of $233.82. Total interest to be paid is $452.21. I would have paid that on the other loan in 3 months!
I also opened a checking and savings account while I was there plus I was approved for a Visa with a $1k limit. There was a little note that went along with that one that said that I had to show that I paid my '11 tax lien. I don't recall a call lien for '11 but I believe there is one filed in '11 but overall it was a very good experience!
05-22-2013 03:58 PM - edited 05-22-2013 07:00 PM
05-22-2013 05:23 PM
I asked if they could use the same pull from my auto loan. The woman told me that she could if she was able to access it on her computer. She didn't say that she'd have to do another way.
As for the lien, I know there is at least 4 but I didn't think there was one from tax year '11. I believe there was at least one filed in '11 though so that might be what they were referred to.
Even without the Visa, today was a good day! Now I have a very low rate, can pay down the car loan much quicker than before and establish a relationship with a good bank. I think that relationship will snowball from here.
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