Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
Re: My fiance' is now a member of NFCU!!

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 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k