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New car loan and local CU Visa approval

Deathmedic911
Valued Member

New car loan and local CU Visa approval

Hello MyFico fam!  Just wanted to report on a couple approvals. Bought a new car (2021 Altima SR) and got financed through the local credit union at 6%. Then decide what the heck and applied for their Visa product. Approved $5000 SL at 14.99%. Not too shabby. Then they offered to refinance another auto loan I have that had a 15.99% APR(yikes it was pre rebuild) with a new rate at 6.25% for essentially the remaining termon the current loan.  Used EQ which was reported 687. Not sure which version. 1 hard pull for the car, the car refi, and the Visa. I call that a win. 

 

If it wasn't for all of everyone here's info and help this wouldn't have been possible. Thanks to all....now I think I might play in the soil for a bit lol. 


Student Loans 23K(2005), 2 car loans: one at $14.2K (3.75 yrs old), other is at $26K (11 months)

4 baddies, working to get rid of them.4/2021--PFD in progress for the collections.
5/12/2021... All collections have been removed, only 3 30 day lates remain from 18 months ago.
4 closed CC PIF in good standing, 7 other loans closed, PIF, good standing
AoOA 16yrs
AoYA 1 month
AAoA 2Y 1M


Credit One (2) $800(11/17), $500(9/20)
((These are now closed 5/17/21.))

Scores as of 5/19/2021

Message 1 of 10
9 REPLIES 9
KingRue8500
Frequent Contributor

Re: New car loan and local CU Visa approval

Congrats on your CU Visa and car loan approval

Current Cards:


Message 2 of 10
Elpadrino1
Contributor

Re: New car loan and local CU Visa approval

Congratulations on your approvals with only one hard pull!! 

Message 3 of 10
CreditAggie
Senior Contributor

Re: New car loan and local CU Visa approval

Congratulations on your approvals!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 4 of 10
mrcraft
Valued Contributor

Re: New car loan and local CU Visa approval

Congratulations on your approvals!!






Message 5 of 10
gdale6
Moderator

Re: New car loan and local CU Visa approval

A CU triple play, grats on it Smiley Happy

Message 6 of 10
coreyb80
Valued Contributor

Re: New car loan and local CU Visa approval

Congrats on the great approvals!

Message 7 of 10
babygirl1256
Valued Contributor

Re: New car loan and local CU Visa approval

Congrats on your car loan and local CU Visa approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 8 of 10
Titans84
Regular Contributor

Re: New car loan and local CU Visa approval

Congrats on the approvals and lowering your other APR!

Current FICO 8:






Message 9 of 10
Total80sKid
Valued Contributor

Re: New car loan and local CU Visa approval

Congrats on your approvals 👍🏼

Message 10 of 10
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