@twilliam1313 wrote:Hi,
Right now I currently have a 20.7% APR rate on a auto loan with Capital One. I still owe $13k with the loan not upside down on it, car is worth around $25k. Credit scores were all in the lower 500s when I got the loan in November of 2022. Right now my fico8 scores are Experian: 660, Equifax: 624, TransUnion, 623. I currently was just approved to join NFCU and will me moving my direct deposits from my job to that account. Current month income after taxes is minimum $9k from my base salary but ususally closer to $15k with my commission. Do you think I should wait a couple months of using NFCU before i apply for refi or do you think I would be approved if I went to apply for it right away.
I think I saw in your other thread you have direct deposit set up to NFCU; I would wait until the first deposit hits and then apply.
@twilliam1313 wrote:Okay, yeah I just got approved for NFCU last friday so should get all my Checking and Savings and welcome packet stuff in the mail this week and will move my direct deposit over to them and should have that in time for my paycheck on 4/30 to get in that account. So I will wait for that first before i do anything. Thanks!
on desktop, you can click more details and scroll down, there's a direct deposit section where you can see if Navy has marked your account as having direct deposit or not, I might consider waiting until this trigger says 'enrolled' hopefully it's soon after your first DD
@GZG wrote:on desktop, you can click more details and scroll down, there's a direct deposit section where you can see if Navy has marked your account as having direct deposit or not, I might consider waiting until this trigger says 'enrolled' hopefully it's soon after your first DD
Hmmm, I cannot see the "More Details" option, however, I do see a "More" dropdown which lists Security, Electronic Document Room, Disclosures, Current Rates & Terms, and HomeSquad Application.