@myesha87 wrote:I recently applied for a Wells Fargo CC and I tried to refinance my auto loan through them. My application was denied and the reason was because of a recent collection. I called and the rep told me that I had 60 to get the item cleaned up and that I could call them back. Fast forward 45 days the item has been removed, I called WF today and was told that I would have to get another hard pull to be reconsidered. I just want to get some input before I do anything. I dont want to do this and I shouldn't. I was under the impression that it would be a soft pull the 2nd time around.
No, recons would be another HP. If you dont want the loans then dont go through with it. Personally I think you could do better with an auto loan from a CU.
