Valued Member
Snoopy7
Posts: 47
Registered: ‎03-08-2012
Re: Auto Loan Approvals!
APPROVING BANK: Community First Credit Union Florida
BUREAU PULLED: Equifax
CREDIT SCORE: 677
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: USED/REFI
YEAR OF VEHICLE: 2008
MAKE: Lexus
MODEL: IS350/NAVI
MILEAGE: 30k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 24200
TERM CONTRACTED: 60
APR/LEASE RATE: 4.5%
MONTHLY PAYMENT: New payment 451/ Previous payment 552
ANNUAL INCOME:
MISCELLANEOUS COMMENTARY:  Refinanced from Captial One. Rate was close to 11% with a 614 Experian almost a year ago.  Because of the refinance, I'm saving an additional $1200 per year: $6000 over the next 5 years. FICO was 639, auto enhanced was 677. 4% utilization on two credit cards and current on auto and studen loan.  One 90 day late in March 2012 on student loan...miscommunication with servicer.  I'm likely to add Credit Life Disability and an extended 60 mos Platinum Warranty for an additional $30 per month.  I'll update if undewriter decides to lower rate further due to proximity to next tier...*wishful thinking*.