knj601 wrote:
We were actually just talking about refinancing his truck today. His credit is similar to mine minus any BK. That is the main reason why I wanted to wait a little bit just to improve our chances a little. We have both paid down most of our credit cards this past month, but the new balances haven't reported yet. I was thinking around December we'd look into some credit products. I want to make sure we are in a good position to get the maximum results.
With that score range, I would say that it's not so much a question of them approving the refi as it is what rate they would offer him for it. It never hurts to ask. Word of advice though - ANYTHING credit related with NFCU seems to result in a hard pull, each and every time. Sometimes multiple pulls for the same application.
FICO scores: 819 (EQ) 815 (EX) 803 (TU)
Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k
