Sorry I haven't been here for awhile. Penfed didn't end up approving me. I got approved with BoA of all places @ 3.25%. I have pretty good scores, but I don't think they liked my 5 year old paid $75 medical collection and I did have 2 auto accounts with 30 day lates that are paid off. I had a good deal of equity in my truck because I put $5000 down and I got a top of the line model significantly below the blue book to start with.
Starting Score January 1, 2010: 640