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you should consider joining DCU. they will likely give you a better refi rate on your car loand is a credit card too boot.
I would get a subscription to your myFico EQ/Scorewatch and pull your EQ score. You need to know exactly where you stand credit score wise.
If it's a 'favorable' score, I would research those lenders that will pull EQ only.
I would definitely look into setting up a relationship (meaning a checking and or savings account) with a credit union. CU's and banks like to give cards to those that bank with them as well. IMHO of course.
Be careful basing your decision on CK. My CK score is 614 and my TU FICO is 698. I got a lender pull two weeks ago and they pulled the exact same scores.
If you can get in with a credit union, do that. If not, Capital One would probably be your best option. They also have a secured card if you are not approved for an unsecured card. Also, you might want to try for a GE backed card like Walmart. They will start you out at a low limit, but they grow with you fast. If it comes down to having to get a secured card, you might want to consider Bank of America. They typically unsecure after a year, with some reporting that their card is unsecured after 9 or 10 months. Good luck!
If what I understand is true with Capital One, someone else may know for sure, they seem to pull all three reports
when you apply, also if not approved they may counter with the secured, good luck
@tdrjustus3 wrote:Be careful basing your decision on CK. My CK score is 614 and my TU FICO is 698. I got a lender pull two weeks ago and they pulled the exact same scores.
This ^^^^^^^^^^^^^^^
CK scores are worthless.