My fiance and I applied for a car loan with his credit union - my scores are 628 (TU), 644(EQ) & 656(EX) all FAKO's - his scores all three are in the 650-670 range - dont remember exact numbers. He is the primary - I am the co-signer. I wanted a co-signer because my utilization (around 85%) and dti are pretty high. Do they combine the utilization, dti, and income to come up with a number? If not, how do they factor in co-signers.

Also, if I want Marv to review our app, do I post two seperate profiles or list the combined numbers?

Dp they know or can they assume the vehicle is to be for you?

I think that they can assume because he has an open auto loan on his report and I do not.

Ah I see, Post one app, list your info and fiance's infor separated by "/" marks.

Hi Marv!

Thanks for your reply...our app was approved by the credit union with a 3.99% rate. I'm super excited!

congrats and a very good rate.

congrrrrrrrrrrrrrrrrrrrrrats.

Congrats!

Was the credit union Penfed?