Valued Contributor
Posts: 1,216
Registered: ‎05-10-2012
Re: Where to Apply?
[ Edited ]

There are many places that use an auto enhanced score, including many credit unions.  Do some rate shopping on your own, find out what their prime rates are, and what credit tiers they have, and what bureau/model they pull.


Doing this I was able to find several places where I could get between 5-6% if I applied RIGHT NOW, as opposed to getting 8.5%+ like I had seen previously.  To give you an example, I don't see any reason why you wouldn't qualify for DCU at 1.99%.  It's EQ (Auto Enhanced according to their rep, but there's still a question out on that) and the minimum score is 675 for that promo.  65 month max.  With your income, there's not going to be any hurdles that I could see that would hold you up.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600