So today it hit me that my score of my last pull from dcu within (last 30 days) was 15 points higher than when I got my car loan at 655 and received 4.74 w/dd so I called there loan department and spoke with a wonderful woman that went through the whole process without a hitch and only asked me about inq(57)and a little over year year old repo/ charge off she asked me to explain both which I did.
So she comes back from the hold asked about if I rolled negative equity into the loan I said no warranty and ttl. She said okay put me on hold again!!!!!
She comes back and says your.
APPROVED at 2.49% w/dd and autopay I was floored to say the least.
I have 15 years of job history with one company which helped out immensely because when she seen start date she said WOW. My score was 670 eq(04) with repo and another charge off for extremely small amount
Eq-670(dcu)ex-664 tu-693
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