I didn't think the credit unions used auto enhanced scores...when they send out those letter, they were all FICO scores. When I applied for CAP1...their *denial* letter listed auto enhanced next to the score and it was wayyyyyyy lower than my FICO scores.

I'd look around and rate shop. Don't accept just anything and be stuck with crazy payment. Sometimes to fix that, you need to lower your UTIL and send GW letters if you have to...30 days from now, you'll be looking at more appealing rates!

GOOD LUCK! And keep us posted!