Re-Apply Without Spouse

[Anonymous]

My credit is not great and my wife's is bad. I applied and was approved at Cap1 by myself. I applied jointly with the wife to DCU and was denied. Can I re-apply to DCU by myself or do I need to wait.

Also, the woman representative I spoke to on the phone from DCU (after I finally got through on the 3rd call) was very rushed and not friendly at all.

[Anonymous]

Cap1 approved me without any vehicle details or knowing that I will be putting about  a45% down payment.  Their rate is pretty high, so I was hoping to get one more pre approval with a little better rate before letting the dealership give it a go.

[sccredit]

Try calling DCU and see what they say the reasons for denial were.  If it was your wife's credit you can ask them about re-applying.