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Auto Loan Approvals!

Regular Contributor

Re: Auto Loan Approvals!

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
MAKE: RAM
MODEL: 3500 HD LONGHORN DUALLY
MILEAGE: 14500
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!



Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753 (missing Citibank acct 10k EQ and EXP, incorrect Limit TU)
Score(Jun 14, 2018) EQ 784, TU 771, EX:777(missing Citibank acct 10k EQ and EXP)
Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge

Merrick -$3050, Barclay - $5300
Message 3911 of 3,912
Established Contributor

Re: Auto Loan Approvals!

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
NEW/USED: New
YEAR OF VEHICLE: 2018
MAKE: Mazda
MODEL: 3 Hatchback Grand Touring
MILEAGE: 3
RETAIL/LEASE: Retail
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.



Message 3912 of 3,912