Paying down util is one of the fastest ways to get a "bump" in your scores. Yes, he should qualify for a loan, maybe not the best terms, but decent ones.
Well as bad as my xredit is, i did work for a leading chevy dealership
What type of car or truck are you looking to purchase?
Kia is pretty good, dealerships will shop your husband with that score for the best rate. I have seen ally bank and gm financial rate a score as low 626 an A tier.
Were you going to obtain your own financing before going to the dealership?
hopefully, we were thinking of using nfcu, but I dont want to apply a bunch of places because I don't want to take all the hard pulls, Doesn't NFCU do an inquiry when becoming an member as well?
Yes but you have to meet their member requirements, you will have 14-30 days from the first hard inquiry to get this done otherwise they will be all hard pulls, pulling your score down