(2 past thirty mortgage pmts from 6 years ago, high revolving credit usage versus avail credit, but DTI around 26%.)
Buying a 2022 Chevy Silverado RST (refresh)
Out the door for $54k (due to GM employee discount).
Putting $7k down
Gave the dealer my scores and Approx rate they told me was 4-6%. (Ouch)
Cap One didn't have the VIN in their system, but dealer does participate in their program. Pre approved for same model truck at near the same price at 3.13% for 72 mos. Called dealer and gave them the approval number and filled out an app online with a hard pull. Dealer called me back and said they can't do any better and they'll honor the 3.13%.
Then did an app at NavyFed with a hard pull and they came back at 3.99% . Just in case the dealer tries to pull any funny stuff, I'll swing by the branch and pick up the check in the morning before driving 2 hours to get the truck.