Penfed & NextGen For Auto Loan App ...

I just got off the phone with Penfed and I asked the lady on the phone...do they use the score I see (nextgen) when I log into my accounts and press the score button and she said NO...they have some internal thing they use (eventhough the text on that screen when you look at the score says ..."this is the score penfed uses to manage your account) Just FYI

You will get a decent APR. 685 gets you the best APR with them but I believe you will hit the teir just below that and you can always refinanace it with them if you improve your score to benefit from the better rate. The screen you got just means you didn't get an auto approval. Call in tomorrow and ask to talk to a loan agent and they will be able to walk you through it and get it handled pretty quickly for you. I got the same thing after getting an instant approval on my car and then submitting an app to redo my motorcycle and a 5 minute phone call got me approved, but not at the best rate which I learned comes at the 700 mark and will be what I am shooting for to take my motorcycle over to them as well.

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DCU Auto Loan App Online..Is this normal....

I just applied online for a DCU auto loan and pressed submit and the next screen was a loan officer will contact me shortly. Does this mean declined or did I get that message because it is Sunday ? Thank you!!

You will get a decent APR. 685 gets you the best APR with them but I believe you will hit the teir just below that and you can always refinanace it with them if you improve your score to benefit from the better rate. The screen you got just means you didn't get an auto approval. Call in tomorrow and ask to talk to a loan agent and they will be able to walk you through it and get it handled pretty quickly for you. I got the same thing after getting an instant approval on my car and then submitting an app to redo my motorcycle and a 5 minute phone call got me approved, but not at the best rate which I learned comes at the 700 mark and will be what I am shooting for to take my motorcycle over to them as well.

First time Auto Loan App

Hi, My wife is looking to get her first car right now and I am shopping around for the best interest rate. She had a 747 credit score before we let the dealer run her credit. They came back with 5.75% as the best they can do. She has about 2 to 3 years of credit card history but no loans. What are her chances of getting a loan around 2% from DCU or NFCU AFTER the dealer ran her credit. I have not checked to see how many inquiries dinged her credit but I would think this would only hurt the pre-approval process. Once her app is looked over by a person, they will see the reasons for those dings. Any help or insight will be good! Thanks

slipper wrote:
An inquiry will not affect your score significantly. Since the dealership already ran her credit, ask them if they work with Chase. If they do, tell him he has a deal if he can get 1.99% with Chase. Otherwise DCU will probably approve her but they stipulate to qualify for their lowest rate, you will have to deposit your entire net paycheck to them essentially making them your primary bank.It doesn't have to be your entire check. My job allows me to deposit into 2 or 3 places. Fee

How does Penfed code CC transfer to auto loan?

I have both PenFed CC and auto loan. I'm looking to reach $1500 spending for the $100 credit card credit. I've noticed the transfer option was available to direct "transfer" from CC to auto loan, and of course I'll be paying the CC balance right off, but does anyone know how this will be coded. My gut tells me cash advance? If so, I will not do.

Mark,
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How many new accounts before I start getting denied for an auto loan in Oct? (Fico 8 score 820)

As I understand, DCU gives some fantastic auto loan terms (1.5% for its members, which can be anybody from the general public), and they want mostly 680 and above to qualify for that rate. So you're possibly fine unless maybe you hit double digits in inquiries? Now I also understand that you might qualify for 0% financing at some places; their models (the auto enhanced ones) might penalize more harshly than FICO 08 for opening up new CC accounts so you may want to be careful with that. The current MyFICO package offers those scores as well, I believe. Why don't you check where you are with all the new accounts w.r.t auto enhanced scoring?

connect4dots wrote:
Fico 8 Score: 820AAoA 9 years. 30+ accounts (more than half closed). Oldest Account: 25 years.Clean report,. 0 lates/negatives. Thinking about doing an auto-loan in October. I understand its ideal to wait for 6+ months. But worst case I'll just wait another couple months or just buy my car outright. But to get a better idea and understanding of how far I can push this. Given my score and history, how many new accounts before I start running into trouble? I applied for 2 new CC so far. I'm going to APP for another 1-2. So in October this is what my inquires will look like: (4 new inquiries)Hard Inquires with past 6 months: EXP: 2-3. EQ- 0, TU: 1-2 Hard Inquiries older than 1 year: EXP: 3, TU:2, EQ: 1 3-4 New accounts that are 3 months old: What do you guys think? Always appreciate everyone's advice and input, Thank you!!!Not sure the answer but...you're my hero.

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can someone pleaseeee make an auto sig app for the pre please!!! I really like autosignatures and the pre doesn't support it. And I'm sure alot of other people would download it so you might make a little money for your time so long as the price isn't outrageous. Please help I want an autosig!!!!!
Post relates to: Pre p100eww (Sprint)

If you want this to be made by us leave us feedback here: www.palm.com/feedback. If you want someone else to make this app, a good place to ask would be www.precentral.net in their discussion forums

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Any suggestions for best place to get a low interest auto loan?

I am looking at an Acura. I would like to have the lowest interest possible, but not sure the best way to proceed. Any help will be appreciated. If this is answered elsewhere in this forum, I apologize ahead of time.

CribDuchess wrote:
Musiclover wrote:
I am looking at an Acura. I would like to have the lowest interest possible, but not sure the best way to proceed. Any help will be appreciated. If this is answered elsewhere in this forum, I apologize ahead of time.Most folks here recommend DCU, as they have great auto loan rates (as low as 1.74%). Their website is www.dcu.org. Acura also currently has a great promo rate on many of their vehicles - currently 1.9% for 60-months. Almost 3 years ago, I bought a brand new Acura and got 0.9% for 60-months. This was right before Labor Day in 2012. Not sure if they do the promo 0.9% rate every year around Labor Day, though. Good luck!!Thank you!

How can I create an auto-incrementing ID field for a web app?

I have a web app for a project database. Customers can login and add a new record to the web app. We need it to provide each new project with a unique and sequential number. The BC ID number for each web app item is unique but of course not sequential (and too long). So for example the client would like all project IDs to be 4 digits starting from 1000. Any ideas?
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Kapowaz,
Just thinking out loud, I wonder if you could use an Automator action to find the last invoice created and open a new file with a name based on incrementing a part of last file's filename. This would make the filename the same as the invoice number and you would still have to transfer the file's name to the content of the file.
If I had this need, I think I would create an Invoice Log document. It would be easy to have a table into which you would enter identifying data and date and have the table generate a new invoice number that you could paste into the current invoice document. It would kill two birds with one stone if you need an index of your invoices.
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Closed Auto Loan Reporting As Open Question

I have an auto loan reporting across all bureaus as open but in good standing. I suppose that is well and good except for the fact that the loan was closed in Dec of last year. My question...would having the loan shown as open reduce my credit score or do you think it's helping? I've heard having a loan of that nature close can reduce your score so I'm not sure what to do about it. Any input is appreciated. Thanks!

Well, see whether you get any other feedback from other folks on here. But if I were you, I'd just end up having some low grade anxiety if I had a record on my report that claimed I owed a big chunk of money for something I didn't. The explanation, I assume, is that the creditor never updated the record to show that you paid off the loan. Unless someone here tells you differently, I'd reach out to the lender and confirm with them that they agree that you paid off the loan in December. If they do agree, explain that they haven't yet updated the final status of the account to show that you paid it off -- and ask them to do that. That way you'll end up with an accurate report that shows future creditors that you can manage and pay off a car loan. I have allowed incorrect data to stay on my report when it is absolutely 100% positive. This is a bit of a mixed bag: a record that falsely asserts you still owe a creditor a good chunk of change. Whetever benefit you get out of it being "open" doesn't seem worth it to me. But see what other people say.

NASA Auto Loan Questions

So I recently got approved for NASA membership and CC. I am also toying with the idea of getting a new car or truck. Currently drive a 07 Accord that has been paid of for a few years now. While I love having 0 car payments I kinda want something more sporty.
Anyone have any experience with NASA auto loans and their process? Im probably gonna shoot for end of year should I take on a new vehicle. My approval score for NASA according to the paperwork was 666Ex but myFico had me in the 640s so not sure what version they pull. Currently myFico has me in the 670s and that should only get better.
Any thoughts, help or even recommendations would be amazing. :-)
-aloha

Aloha , Congrats on your approval membership with NASA Cu.first, I would agree with you to wait until you improve your score, try to keep that beast first premier,Fingerhut down to a very low balance even $0 balance, its good to rebuild your credit but in the long run, it time you outgrew the high interest cards,Now that you got approved CC,with NASA try to put usage with card and build up good payment history try to keep your utilities down under 20% when your ready to..I have a Checking account with NASA, others a happy but am in favor with NFCU, they are more in the same , my opinion NFCU better customer service. That being said, NASA CU products in comparison are virtually the same, good rates, competitively, I receive offers, the only headache I have with NASA when your need assistance, after hours can be a pain, but otherwise, stick to your goals now your in with NASA and already have been aproved for a cc. You should be in good shape by the end of the year, sporting down the Kaumualiʻi Highway Again , Ho'omaika'i ana , Pomaikai

NASS Auto Loan Questions

So I recently got approved for NASA membership and CC. I am also toying with the idea of getting a new car or truck. Currently drive a 07 Accord that has been paid of for a few years now. While I love having 0 car payments I kinda want something more sporty.
Anyone have any experience with NASA auto loans and their process? Im probably gonna shoot for end of year should I take on a new vehicle. My approval score for NASA according to the paperwork was 666Ex but myFico had me in the 640s so not sure what version they pull. Currently myFico has me in the 670s and that should only get better.
Any thoughts, help or even recommendations would be amazing. :-)
-aloha

Many of the subprime banks are going to cap how old the car can be and how many miles the car can have and a 4runner (while a great bullet proof choice) at that price probably is not going to fall in those perimeters if I had to guess.but check capitalone.com and you can get pre-qual for used car loan

Typical business case scenarios for SharePoint 2013 Apps

What are the typical real time business case scenario for 1. SharePoint Hosted apps 2. Auto Hosted apps 3. provider hosted Apps? Why people choose any of this model apps model in comparison to typical On-Premise solution?
Another question comes is when should one go for On-Premise solution rather than Apps? What are real time scenarios?

Let's discuss first whether to develop apps or full trust solution.
Talking about technical aspect, On-Premise solution is popular choice for organizations who have SharePoint hosted on premise (not SharePoint Online). However, if you are using SharePoint Online, there's no choice except Apps (and possibly sandbox but deprecated).
So for SharePoint Online only viable solution is developing apps. However for on-premise you can develop full trust or apps. However since apps requires a bit more configuration and not yet full feature set as you can do with full trust, most people are still
developing full trust solution on premise.
Talking about business requirement at hand, you can develop apps (even in on-premise), if your requirement is really looks like an app. For example, you would like to develop a SharePoint solution, that will show data from SAP inside SharePoint. The solution
mostly nothing to do with SharePoint but calling SAP services to perform stuffs. So you can develop an apps and deploy inside SharePoint. Another example is import CSV files in SharePoint list, you can write an apps. But mostly I think you need to decide whether
to develop apps depends on the Apps API ability. The API is still very limited in features/functionalities. So even if your requirement looks like apps you can't develop apps if the current SharePoint Apps API doesn't support the functionality.
Now let's talk about which apps model you would like to use SharePoint Hosted apps means everything hosted inside SharePoint and no other external infrastructure is required. One example is the CSV file upload apps. However, with SharePoint hosted apps,
you can't use C# rather you just have javascript to develop the apps. There's rumours that auto hosted apps will be deprecated not sure but there's not more conceptual difference apart from where the apps is hosted (both hosted outside SharePoint). Provider/auto-hosted
apps will be running outside SharePoint (i.e., in IIS web site), and communicate to SharePoint through REST or client object model. One provider hosted apps in the office app market is adlib pdf conversion. The apps allows you to select multiple files and
covert them to pdf file. Basically the conversion site is hosted somewhere outside (in the provider's infrastructure). When you select all the files and click 'convert' from ribbon user is redirected to the provider site (different url) and the files are merged
and converted to pdf. Since it's outside of sharepoint, you can use any development language (C#, java, php etc.). The provider hosted app talks to sharepoint through REST or client object model.
So in summary, sharepoint hosted app has less complexity as it doesn't require another infrastructure and runs inside sharepoint. However you are limited to use only javascript to develop your apps. On the other hand with provider hosted apps, you can use
any development language but you need to consider extra level of security/complexity to integrate the app with sharepoint.
Thanks,
Sohel Rana
http://ranaictiu-technicalblog.blogspot.com
Thanks for this nice reply. Plz clarify if only Auto hosted apps will be deprecated or provider hosted apps also may be deprecated by MS?

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Penfed & NextGen For Auto Loan App ...

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