ALL YOUR $$, MORTGAGE, AUTO LOAN & CC AT SAME CU...??

[signguy17]

My bank that I do all my checking and savings with wouldn't give me the time of day for a CC or a Business LOC.  The CU that I only had $7 in because I was too lazy to go close the acct not only gave me an unsecured with a $500 CL but gave me an increase to $2500 after only 4 on time payments for full amount or 5% to get the util.

Their mortgage rate is like 3.5% (I'm at 5%) and their car loan rate is like 2.5% (I'm at 6.5%).

So my question is:  Do the FICO gods have any druthers as to where I pay?  Or will this reduce my TLs?  Or will it still show a seperate TL for Mortgage.  One for CC. One for Car Loan....???

[guiness56]

Are you talking about refinancing with your CU?  I am not understanding your question.

[signguy17]

yes refying my mortgage and auto loan thru my CU

[DaBears]

You will have seperate TL's cause each account will have its own account number.

[guiness56]

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@signguy17 wrote:

yes refying my mortgage and auto loan thru my CU

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Each individual account would be a separate TL.  Including those closed out by the other lenders when they get paid off.