Denied! after phone call today - never BK, liens, foreclosure, repossession or not on chex systems - think my husband's EX is around 637 w/ mine hovering around/ just under 600?. Said was outside of their guidelines - I think utilization too high with a couple of 30's but lots of aged, perfect revolving and installment and income is high?! Couldn't even do auto refis due to high balances w/ high APRs - they only finance 80% so would have to put 20% down to consider based on KBB tradein value.
Two steps forward, one step back - still GWing and getting some slow response from creditors. Going to check scores after end of month reporting to see if changes before applying elsewhere.
State Farm tells me that they finance auto refis 125% w/ highest APR at 11% (around 640 score and they do manual review if needed) and offer free gap insurance for State Farm customers (if high balance near or over KBB value).
Anyone else turned down by CCCU but approved for good TL at other CUs?
