APPROVING BANK: NFCU Refinance from Chrysler Capital
BUREAU PULLED: Soft Pull Equifax
CREDIT SCORE: 778
CUSTOMER STATE OF RESIDENCE: AL
NEW/USED: Refinance Late Model
YEAR OF VEHICLE:2017
MODEL: 3500 HD LONGHORN DUALLY
AMOUNT OF LOAN: 65K
TERM CONTRACTED: 72
APR/LEASE RATE: 4.09%
MONTHLY PAYMENT: 1049
ANNUAL INCOME: 83000+
DEBT TO INCOME RATIO: 25
MISCELLANEOUS COMMENTARY: if I take 3.29% of 60 months, I would have to pay 1088. I am surprised I am getting SP for this. Instead of doing it on the phone I went to my local NFCU bank to speak with the loan officer face to face. It has been 2 days now and myfico alert only shows 0+, new inquiry on Equifax few hours after I was approved.
The first alert is saying I have a new inquiry.
The second alert, 2 days later it says 0+, no changes on my score. Thank you NFCU! I will apply for several preapproved cards from them next time after my mortgage loan with somebody else. On CreditKarma, FAKO I only dropped 1 point on Equifax from 735 to 734. Whew!
APPROVING BANK: Chase
BUREAU PULLED: TU and EX
CREDIT SCORE: Auto Loan Model v8 601, Auto FICO 3 589, Auto Loan Model v2 584
CUSTOMER STATE OF RESIDENCE: California
YEAR OF VEHICLE: 2018
MODEL: 3 Hatchback Grand Touring
AMOUNT OF LOAN: $27,300
TERM CONTRACTED: 72 mos.
APR/LEASE RATE: 9.99%
MONTHLY PAYMENT: $506
ANNUAL INCOME: $62,000
DEBT TO INCOME RATIO: 18%
MISCELLANEOUS COMMENTARY: Aapplied through Mazda. Rate doesnt factor in that I have a Chase checking and savings which = 0.25% discount. Or that I will do auto payments from that account which = 0.25% discount.