DCU approved!

[cartwrna]

Well I was weary about applying due to tons of new low limit cards I opened, 53 inquiries, and an unpaid collection for $1200 from 2013 but finally pulled the trigger! They approved me for refinance of my Exeter loan with 19% APR. Approval was 30k at 1.99%. Just passed there cutoff for best interest rates with a 676 FICO04. Asked about a credit card and they were weary due to a bunch of low limit cards. Put me on hold and came back with a 5k approval! My other highest limit is Barclays at $1750 I just got a few weeks ago! It can be done. My monthly gross income is around 5k if anyone is wondering.

[EddieK]

Congratulations!  That's a huge savings in interest.

[2014repair]

Well done!!  That is some serious savings!

[Anonymous]

Awesome! Great savings too.

[Anonymous]

Your payment might have went down just a tad Congrats!

[EW800]

congratulations!!   That is a GREAT rate reduction.  I have to ask...  How much did your payment go down taking your interest from 19% to 1.9%?  

53 inquiries.....  I think it is time to garden for a while!  

[cartwrna]

Went from $720 to $487, pending membership approval which has me spooked :-/ I don't have anything on ChexSystems, have an account with my local credit union I opened in 2010-2011, opened an account with SDFCU 3-4 months ago, and on my credit report I have one open collection. I have to call back Monday once they've had a chance to go over my documents DL, SS card, and they wanted a utility bill which I have none in my name so sent a loan bill.

[Anonymous]

Congrats!!!!!

HOPE IT STILL IS SINCE NO UPDATES IN A COUPLE DAYS!!!

[cartwrna]

I just got my approval on membership this morning! I was nervous because on my EQ report they pulled EQ had the wrong birth year, but all went smooth

[dabrian]

Congrats!!