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A little background...was going to buy a house but opted to rent for 2 more years to get my score up but I have 9 inquires on my account. 2 from home loans, 1 car and the rest are inquires to set up utilities.
CapOne pre-approved me for 40k but apr is 4-8%.
PenFed denied me
Is it worth trying NFCU or should I hold off and just attempt a refi later down the line when my score is higher?
HELLLLPPPP
Need more information.
What are your current FICO scores? Auto 08, 09?
How is your DTI ratio?
How old is your credit file? AAoAs?
Any previous auto loans.
Some people have had luck, being denied by PenFed and getting accepted at NFCU.
And yes, you could always refi if you end up with an improved credit file.
So here is some extra info:
FICO 8: EQ-627/TU-608/EX-587
FICO 9: EQ-636/TU-612/EX-575
Auto 08: EU-632/TU-609/EX-614
Auto 09: EQ-645/TU-622/EX-592
DTI: 29%
Utilizition is 52% but I also just paid off a card in full so not sure if that will reflect on the numbers that were pulled today
I'm new here and dont know what is this -->AAoAs?
I've had 2 previous loans. 1 w/nfcu and one with honda financial
List of site abbreviations: https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458#M23
Just a feeling, but looks like Cap1 might be the winner here. The rates they quoted look good with the scores you provided.
As you continue to drop your utilization you will hopefully see a nice drop once you are below 30% utilization.
Good luck!