How soon can I refinance with DCU?

[Anonymous]

Hello all

I recently picked up a new subaru, my credit scored pulled was 2 points below tier 1 (698 transunion) so the rate I got was 4.9%. My Equifax scored are quite a bit higher, they are well above 700. I was wondering how soon would I be able to try and refinance with DCU? Can I do it after I get my first statement?

Thanks!

[fury1995]

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@Anonymous wrote:

Hello all

I recently picked up a new subaru, my credit scored pulled was 2 points below tier 1 (698 transunion) so the rate I got was 4.9%. My Equifax scored are quite a bit higher, they are well above 700. I was wondering how soon would I be able to try and refinance with DCU? Can I do it after I get my first statement?

Thanks!

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Does not matter when you refinance.

You can access the account online for payoff information. That's all they will need.

[CH-7-Mission-Accomplished]

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@Anonymous wrote:

Hello all

I recently picked up a new subaru, my credit scored pulled was 2 points below tier 1 (698 transunion) so the rate I got was 4.9%. My Equifax scored are quite a bit higher, they are well above 700. I was wondering how soon would I be able to try and refinance with DCU? Can I do it after I get my first statement?

Thanks!

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You can do it right now if you want.  Keep in mind that DCU uses the FICO 04 Equifax (mortgage score) FICO score.  For most people, their FICO  08's are higher than their FICO 04's.  I believe DCU gives their best rates if your Equifax FICO 04 is 680 or above.

[Anonymous]

Thanks. Yeah my fico 04 eq is 701, my ew auto score is 740.

[CH-7-Mission-Accomplished]

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@Anonymous wrote:
Thanks. Yeah my fico 04 eq is 701, my ew auto score is 740.

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Then you are "in like Flynn."