Applied for Simmons First

[LS2982]

Good luck to you!!!!

Fingers crossed!!!

[lg8302ch]

good luck....thought you need 800 scores to even be considered..pls share the outcome..cheers

[Petraeus]

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@lg8302ch wrote:
good luck....thought you need 800 scores to even be considered..pls share the outcome..cheers

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I was able to get one with an 720 score last year but not before asking for copies of my W-2, and 2 most recent checkstubs. In addition, I wrote and included a letter in detail on why I wanted to do business with them. yeah I know the letter was overkill (they didnt ask for it) but felt I needed to do so they'd take me seriously. My CR was a clean CR when I app'd last year with little INQ and about 15% UT. I thought the UT & score wasnt going to be good enough but they were mostly concerned with verifying my salary.

[wwtthhpp]

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@SpecFile wrote:

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@Meltdownblitz wrote:
If y'all don't mind me asking.. What's so good about them besides them being super conservative?

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Low APR

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Is low APR the only thing?  My thing is if you PIF then APR isn't that great of a concern.

[DaveSignal]

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wwtthhpp wrote:

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SpecFile wrote:

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Meltdownblitz wrote:
If y'all don't mind me asking.. What's so good about them besides them being super conservative?

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Low APR

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Is low APR the only thing?  My thing is if you PIF then APR isn't that great of a concern.

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Or you could just find a credit union that offers an even lower APR + rewards, such as SDFCU.

[austinguy907]

If you're in DFW (EDS) Intouch CU has one for 7.75% fixed and if you're in Austin then you could get one w/ University FCU and their lowest fixed rate is 6.9% for a EQ FICO over 730.