DCU CHANCES @ GOOD RATE ?

[bsal]

Hey guys need some advice I'm been hearing some good things about DCU I wanted to gage what my chances are on a great rate. I'm looking to get a auto loan for 55k with 10k down my fico scores are 675eq, 646tu, and 665ex my fico auto score 8 is 704, 677, and 700 what are my chances I'm not a member yet

[CreditGuy03]

DCU just denied my wife. Her credit is 635. DCU hates unpaid collections and charge offs.

If you have any of these don't even bother.

[Anonymous]

DCU declined me as well. Not surprising since I have a BK showing... But Penfed approved me, which is what led me to try DCU in the first place. I'll be sticking with Penfed.

[bsal]

Well I have one unpaid collection so I guess I shouldn't bother

[bsal]

I would think DCU would be way easier than penfed I'm scared of them I probably would be denied by them too with 1 collection

[Luscher]

I would give it a shot. IMO

[bsal]

Did u have an unpaid collection with the DCU and still get approved luscher ?

[Its_Me]

I was just denied by DCU. I have a 6 year old discharged chapter 13 showing on my credit report but have several positive tradelines reporting for last few years. My credit scores are in the high 600's. I do not have any collections, charge-off's, etc. I do have a few late payments reporting after the chapter 13 was filed in 2010 which should not be reporting since all was included in the BK.

[Luscher]

No, I have excellent credit. But IMO it is worth a hard pull for DCU even if your not sure if you will get approved. Just my opinion though

[lincar66]

I have a 7600$ 20 months old unpaid repo and have a car financed through Dcu just because you have a charge off does not disqualify you