Re: DCU Approval

ficoguy2013 · ‎06-21-2016

Asked for $30,000 - countered with $28,000
@ 2.99%

Pulled Equifax - Auto loan score is 699

I have 2 auto loans already - and too recent accounts opened

Lines of Credit Navy FCU Cash Rewards Signature - $25k || Navy FCU LOC - $15k || Barclay's Apple Rewards - $5k || ECP Military Exchange - $4k || DCU Platinum Rewards - $2k || Discover IT - $750 || Capital One Quicksilver - $2.5k || USAA American Express - $5k || Target Redcard - $2.4k ||
Auto Loans:Toyota Financial $25,000 - 1.9% || USAA Auto $32,000 - 1.76% || DCU Auto $32,000 - 2.49% (dd discount .50%)

Utl @ 10% - Main Card: Navy FCU Cash Rewards

ficoguy2013 · ‎06-21-2016

Car Not decided yet - thinking of the 2016 Honda Civic LX
Underwriting has been reviewed already

Lines of Credit Navy FCU Cash Rewards Signature - $25k || Navy FCU LOC - $15k || Barclay's Apple Rewards - $5k || ECP Military Exchange - $4k || DCU Platinum Rewards - $2k || Discover IT - $750 || Capital One Quicksilver - $2.5k || USAA American Express - $5k || Target Redcard - $2.4k ||
Auto Loans:Toyota Financial $25,000 - 1.9% || USAA Auto $32,000 - 1.76% || DCU Auto $32,000 - 2.49% (dd discount .50%)

Utl @ 10% - Main Card: Navy FCU Cash Rewards

surferchris · ‎06-21-2016

Congrats

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Anonymous · ‎06-21-2016

Congratulations. DCU doesn't use auto enhanced scores do they?

EddieK · ‎06-21-2016

@Anonymous wrote:
Congratulations. DCU doesn't use auto enhanced scores do they?

Nope, EQ04.

Starting Scores:
1/19/14:
1/28/14:
2/12/14:
Current Scores:
7/10/19:
12/17/16:
9/05/17:

Anonymous · ‎06-27-2016

@ficoguy2013 wrote:
Car Not decided yet - thinking of the 2016 Honda Civic LX
Underwriting has been reviewed already

Hope ur not using the whole 28k on a Honda Civic LX...

Anonymous · ‎06-27-2016

I second that. Most can be had for sub 20k before negotiating. Even a top of the line civic touring would be less than that.

RonM21 · ‎07-04-2016

Congrats. Nice when now all you have to do is choose!

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

ficoguy2013 · ‎07-04-2016

I ended up not choosing a Honda. After all being treated aa shark bait for the dealerships.

I ended up getting a 2016 Jeep Altitude tech package with Gap only.

Lines of Credit Navy FCU Cash Rewards Signature - $25k || Navy FCU LOC - $15k || Barclay's Apple Rewards - $5k || ECP Military Exchange - $4k || DCU Platinum Rewards - $2k || Discover IT - $750 || Capital One Quicksilver - $2.5k || USAA American Express - $5k || Target Redcard - $2.4k ||
Auto Loans:Toyota Financial $25,000 - 1.9% || USAA Auto $32,000 - 1.76% || DCU Auto $32,000 - 2.49% (dd discount .50%)

Utl @ 10% - Main Card: Navy FCU Cash Rewards

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DCU Approval

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