I am looking at apping for an auto loan with DCU. I was wondering if you think it would be worth the HP or not. My EQ Fico is 650. I have an unpaid collection from 5/2012 that is showing last reported 7/2014. No other baddies. I would be also trading in a challenger that currently has a 12.5 interest rate and negative equity of 3000. My DTI is 36% with 50k income. My current utilization is at 40%. Is it worth the hard pull?
