Valued Contributor
Posts: 1,432
Registered: ‎08-30-2012
Needing to refinance.....



I have this auto loan, which was opened in April 2012. It has an obnoxiously high interest rate which is what I am trying to reduce,  ultimately. Since being a new NFCU member, I would like to apply for the refinance with them, of course.




My history with the last 3 car loans:


1 - Repo in 2010


2 - New auto loan in early 2011. Paid every payment on time, no lates, sold car outright and made some money.


3 - New auto loan in April 2012. Paid every payment on time, no lates.


I'm looking for advice here on what my chances are with getting an approval from NFCU before I apply with them.



Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey