Approved by DCU...is this real life???

[Anonymous]

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@Anonymous wrote:

My regular FICO's are 629, 645, and 627.....Under Experian my Auto Fico was 695, which the associate I spoke with told me thats what they pulled. 

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@AhmedInVA wrote:

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@Anonymous wrote:

Sooooooooo, I was looking to refinance Goldilocks the Gold Corolla. I am in a 20.45% loan from CPS. I was offered a 13.06% deal from Blue Harbor which sounded fantastic to me. For kicks, I also applied with DCU and was approved for.....wait for it.....waaaaait for it.....

2.24% APR!!!!!!!!!!!!

I can knock that even lower to 1.74% if I direct deposit with them!!!!

From $330/month to $188/month.......just with a phone call or two....

I am beyond over the moon. I feel high....I still cant even believe it!! 

Thank you guys on here SO much. If not for these forums I would probably have stuck it out with CPS for a lot longer, and paid WAY huge in interest payments!!!!! 

Ok.....I need a beer.....

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Congrats! what kind of score do you need to get that rate from DCU?

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Congratulations!!! That's amazing! Are you sure they pulled Experian Auto? I e always heard they pull Equifax Mortgage 5.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

My regular FICO's are 629, 645, and 627.....Under Experian my Auto Fico was 695, which the associate I spoke with told me thats what they pulled. 

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@AhmedInVA wrote:

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@Anonymous wrote:

Sooooooooo, I was looking to refinance Goldilocks the Gold Corolla. I am in a 20.45% loan from CPS. I was offered a 13.06% deal from Blue Harbor which sounded fantastic to me. For kicks, I also applied with DCU and was approved for.....wait for it.....waaaaait for it.....

2.24% APR!!!!!!!!!!!!

I can knock that even lower to 1.74% if I direct deposit with them!!!!

From $330/month to $188/month.......just with a phone call or two....

I am beyond over the moon. I feel high....I still cant even believe it!! 

Thank you guys on here SO much. If not for these forums I would probably have stuck it out with CPS for a lot longer, and paid WAY huge in interest payments!!!!! 

Ok.....I need a beer.....

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Congrats! what kind of score do you need to get that rate from DCU?

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Congratulations!!! That's amazing! Are you sure they pulled Experian Auto? I e always heard they pull Equifax Mortgage 5.

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My wording could have been better. The rep didnt specifcally tell me the bureau they pulled. She said my score was 695, and my only 695 was the Experian Auto. I assumed that was the one she meant! My other scores across the board varied a lot from that 695. 

[Anonymous]

Holding my breath right now on  DCU approval - says it will take 24 hours. Already approved with Cap 1 for their lowest rate as well as with Chrysler, but I still would love to get in with DCU. Fingers crossed!

My Exp. Auto 8 is 677, but I fear my tax lien may scare them off.

[Anonymous]

DCU always pull from Equifax. Congrats tho

[Anonymous]

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@Anonymous wrote:

DCU always pull from Equifax. Congrats tho

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Yes. They always use Equifax Mortgage 5.

[EddieK]

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@Anonymous wrote:

DCU always pull from Equifax. Congrats tho

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Almost always, they pulled EX for my auto loan approval this past December.

[Anonymous]

Sweet Deal. I'm roiughly in the same boat. 18.5% on an 18K Auto loan. I'm paying $440 a month!!  I went to the DCU website. Do you have to open a Checking/Savings account with them, or did you go right to the loan app?

[Anonymous]

I had to become a member ($10) and opened a savings ($5). Wasn't a large gamble at all, and paid off huge.

[Anonymous]

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@Anonymous wrote:

Sweet Deal. I'm roiughly in the same boat. 18.5% on an 18K Auto loan. I'm paying $440 a month!!  I went to the DCU website. Do you have to open a Checking/Savings account with them, or did you go right to the loan app?

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I THINK you can apply for the loan and if approved pay the membership and do all that before the loan is funded.  You would have to check but I believe they will do that.

[Shawndoe79]

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@Anonymous wrote:

Sooooooooo, I was looking to refinance Goldilocks the Gold Corolla. I am in a 20.45% loan from CPS. I was offered a 13.06% deal from Blue Harbor which sounded fantastic to me. For kicks, I also applied with DCU and was approved for.....wait for it.....waaaaait for it.....

2.24% APR!!!!!!!!!!!!

I can knock that even lower to 1.74% if I direct deposit with them!!!!

From $330/month to $188/month.......just with a phone call or two....

I am beyond over the moon. I feel high....I still cant even believe it!! 

Thank you guys on here SO much. If not for these forums I would probably have stuck it out with CPS for a lot longer, and paid WAY huge in interest payments!!!!! 

Ok.....I need a beer.....

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SWEEEEEEEEEET