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Score recommended to auto refi with penfed??

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Score recommended to auto refi with penfed??

I know there is no magic number and there are a bunch of variables to be considered but.... Just wondering has anyone had luck refinancing with penfed with scores in the 630s?? I have account in collections from 2014, and CC utilization at around 84%. Currently have 1 lease that is about to expire in February and the car I wish to refinance probably around March or April also. 

 

I am currently working on bringing my CC utilization down along with the principal for the car I want to refinance. Should I open some sort of account with penfed to stablish a relationship with them? 

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