Today or To-morrow?

[Anonymous]

I have a ridiculous dilemma, and it is driving me a little crazy. 

I recently paid off or down all of my credit cards, as of this morning:

EQ: 693

EX: 706

I have one payment left to hit my report. I had hoped that it would hit today, but it didn't and should hit to-morrow.

EQ estimates that my score will go up to a range of 693-713

EX estimates that my score will go up to 721.

I am hoping to buy the car this week, and was planning on applying for Capital One first, and then letting the dealership see if they can beat it.

I have been working on this for about 3 weeks, and am really eager to get this over with.

Should I wait for that last payment to hit to-morrow, or is it not worth the slight bump in score?

I was really hoping to apply for financing today, but it would be silly to apply today if I might get a better rate to-morrow morning.

Thoughts? Advice? Insults about my mental state? LOL

[jacksont1981]

Do you know what your EQ 04 score is? If so I would go to DCU and apply if I were you. Providing you are not in CHEX system or anything. They are the best when it comes to auto rates

[Anonymous]

Youve waited this long, wait the day. I dont know cap1s rate tiers, but you may well be sitting on one...

BONUS insult on your mental state... Have a beer.

[Anonymous]

You are right of course. The dealers are all closed today anyway, so waiting until to-morrow morning won't make any difference. I just get all wrapped up in my own head sometimes, LOL.

[Anonymous]

Car dealers closed? Never heard of such a thing. 

We've been going back and forth between using our local CU or DCU for a refi for DH's car and for our local, there's a cut off at 720. Just sayin'. 

And DCU's cut for their top rate is 675 IIRC. 

We decided to go with the local CU, but I still opened an individual savings account just to check out DCU (and let them give me 3% on some savings). I was offered a CC and 25k for a car loan when I app'd for the savings account. 

GL. 

[Anonymous]

State of Colorado does not allow car dealers to do business on Sundays, because it is 1915 - or something.