Well Tuesday tried again to refi with Dcu because I want to see the rate they would give me. Back in may or June I applied and had a 621 when they pulled ALSO I was less than 1year post repo chargeoff of a car loan and was approved at 11.24% at 65 months for 30k I decided to go with employee credit union at 3.5% at 72 months.
I knew I had a 655fico due to free FICO and nothing changing on my reports and applied approved instantly with 5.24%(4.74)w/dd for 72months. I have like 50inq on eq. And obviously tons of new accounts
I have been a member for almost a year with direct deposit of my paycheck the whole time.
Job history is 15 years with the same company.
Car 2015 Chrysler 200c they didn't even ask mileage
Payoff 30250$
And for the big finish I declined of course because I already have 3.5%
Eq-670(dcu)ex-664 tu-693
NFCU Cash Rewards---8500k Joint Cash Rewards 2k NavCheck----15000 cap one 2500 cap one 2k synchrony furniture card 1500 walmart store card 6k walmart mastercard 6000 Firestone 1400 amazon 6k Lowes 12k serta 4k care credit 4800 rotman furniture card 1500 stash visa 2k bp visa 1500 PayPal MasterCard ????
