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DCU

Regular Contributor

Re: DCU

Yea so my score that they gave me was 591 Equifax I'm like wait where the heck did you get that. And I've signed everything is signed sealed and delivered lol.
Settled with a 36 month 10.74 $275 co tract. The good news is that I was at 62 months with Santander. I got denied a credit card tho lol.



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 21 of 43
Regular Contributor

Re: DCU

I forgot to ask for their FAX number! Oops. What are the steps I need to send over my INSURANCE information?? They didn't even ask ..how weird



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 22 of 43
Established Contributor

Re: DCU


@Newbie2018wrote:
Ok here are the results.

Approved for a 10.99 interest rate at 62 months
I told her I wanted 48 months instead so I'll know more after I submit my documentation. I'm soooooo happy right now. I am at 22.1 with Santander 62 months. So this is a hugeeeee jump in savings 😍

What documentation did you have to submit?

Message 23 of 43
Regular Contributor

Re: DCU

Just my last check stub, DL, SS card and a pay off quote



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 24 of 43
Established Contributor

Re: DCU

Thanks, can you resize those cards in your signature, they are huge.

Message 25 of 43
Regular Contributor

Re: DCU

Trying to now. I dont know how to but working on it lol




Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 26 of 43
New Contributor

Re: DCU

OP are your scores from myFICO?  If so, that is a huge gap between what DCU pulled and what you have. Congrats on the refi. 

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 27 of 43
Established Contributor

Re: DCU


@carolinagirl11wrote:

OP are your scores from myFICO?  If so, that is a huge gap between what DCU pulled and what you have. Congrats on the refi. 


DCU uses EQ 5 Mortgage score.

Message 28 of 43
Established Member

Re: DCU

Thank you for sharing OP. I've been looking into DCU and Penfed for my next auto loan soon. It is refreshing to read that they don't do a HP to open an account anymore. I will be calling a customer rep tomorrow to inquire more about the tiers etc. It seems some things have changed over the last few years. Does anyone know if DCU has loan prepayment penalties and if they'll still drop the apr for good behavior? I wonder if there's any chance they will go back to 1.99% anytime soon.

05/10/18: FICO 08: EQ 750, TU 751, EX 751; UTI: 13%
04/10/18: FICO 08: EQ 738, TU 736, EX 744 ; UTI: 18%
03/10/18: FICO 08: EQ 724, TU 727, EX 735 ; UTI: 27%
02/10/18: FICO 08: EQ 703, TU 719, EX 723 ; UTI: 31%
Starting: 01/10/18 FICO O8: EQ 641, TU 648, EX 675 ; 82% UTI
The Good: Never Missed a payment; No baddies; low inquiries
The Bad: 13% UTI
Gardening since 11/2017
*Goal: EQ 800 TU 800 EX 800*
Message 29 of 43
Regular Contributor

Re: DCU

 

OP, did your EQ 5 Mortgage score match with what you pulled from MyFico?

Did they use both EQ Fico 8/9 or EQ 5 Fico ? do you know if it was Fico 9 Auto for refinancing?

 

I dont have paystubs since its self employment? i will have to check on what will work? in lieu of paystub.

My FICO scores are accurate as of 2 days ago (759/785/744) with an AAOA of (2.5/3.4/3) and a total inquiry count of (11/17/13).
Message 30 of 43