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Who Do I Have A Better Chance With?

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New Contributor

Who Do I Have A Better Chance With?

My FICO 9 score is 588- PenFed

 

My FICO 5 score is 636- DCU

 

I heard and read that for DCU you need minimum 675 to get an auto loan.

 

With PenFed i don't know minimum. 

 

So for an auto loan who would you recommend i try for the HP's? 

4 REPLIES 4
Established Member

Re: Who Do I Have A Better Chance With?

Why not just do a pre-qual through either Cap One, Carvana or Springboard, to see where you stand; if one of them says yes, go with them for a few months until your scores increase, then refi through Penfed or one or the others....

Message 2 of 5
Regular Contributor

Re: Who Do I Have A Better Chance With?

I'm 660-680 and couldn't get cap one to pop a pre approval for me. Guess they hate me and why my CL isn't getting increased either Smiley Sad
Message 3 of 5
Valued Contributor

Re: Who Do I Have A Better Chance With?

DCU is 675 to get their top rate - they will approve lower bu tlikely in the 5% range

Ch 7 Discharge 3/12/2018
Cap One QS1 $3,000, Wayfair $5,000, Blaze MC $3,000, Kohls $500
Infiniti Financial lease

AU Cards: CSP $37.7k; Chase Marriott $20k; Discover $7.8k; CapOne Venture $30k
Message 4 of 5
New Contributor

Re: Who Do I Have A Better Chance With?

This is great to know. Does the FICO 5 scores improves as the FICO 8's do? Example i got alerted that my F8 went up to 712, but no update on the FICO 5.

Message 5 of 5
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