Valued Contributor
Posts: 1,459
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 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey