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New member here hoping for some help.
I have a mortgage through NFCU as well as a current auto loan that was refinanced from USAA a year ago. My Debt to Income on my CR shows as ~45%.
I recently attempted to get an auto loan through USAA, they said I had too high utilization, too many cards with balance, too short of credit history and too many inquiries.
EQ came back as 656 with the letter.
I signed up on myFICO and see that my score for TU is 690, EQ is 665. I've just paid off 5/6 of my cards and paid down the other to 88% util from 95%. I'm just waiting for the reports to reflect the current reality.
Overall utilization is 49% now, Debt to Income is 38% and credit estimator says I should see 700-740 with that. My question is: If I hit 720+ TU/EQ and have 49% util rate will I be approved for a low rate through NFCU or USAA?
I have a about a 680 score with at least 30 inq., a 2 year history, a BK and I was approved for an auto loan thru USAA with a $10,000 CC. You never really know what they'll say until you try. I can never get a handle it. Good luck!
@jnkp2001 wrote:I have a about a 680 score with at least 30 inq., a 2 year history, a BK and I was approved for an auto loan thru USAA with a $10,000 CC. You never really know what they'll say until you try. I can never get a handle it. Good luck!
I was 729, 8 inquiries, no negs and AAoA of 4.5 years and was declined by USAA. They are all over the place