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  1. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    I applied on 02/15. They gave me a hard time about the membership since the address on my driver’s license doesn’t match my home address. I told them I have 2 homes due to work but they didn’t budge and asked me to update my address with DMV, and then send them a proof of address change. I did...
  2. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    All you need is to submit the payoff letter for refi. Armco will send out a check to pay off your dealer loan. And yes, you will keep the same rate.
  3. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    Nice to hear. I think Armco is being overwhelmed by the piles of low rate loan apps and now trying to expedite the loan processing. My membership finally got approved today although I got an instant pre-approval on 02/15.
  4. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    Good to know. Thank you. I spoke to a rep last week and was told I have to wait for the final docs for refinance. I will send them the same inquiry through the message portal in order to have something in writing.
  5. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    You have to wait until all docs are final. Armco will not process your refinance with temporary docs.
  6. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    You can lock in the rate until end of April. The rate is also good for refinance.
  7. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    Armco most likely got this info from your credit report. I suggest you pull your more recent CR to check if there is any error. CR from AMEX is like one month lag. You can get your more up-to-date CR from creditkarma.com. It is free to join. FYI…Armco pulled me from Experian. Good luck.
  8. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    Armco most likely got this info from your credit report. I suggest you pull your more recent CR to check if there is any error. CR from AMEX is like one month lag. You can get your more up-to-date CR from creditkarma.com. It is free to join. FYI…Armco pulled me from Experian. Good luck.
  9. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    Does the status under your membership say “approved”? Mine has been showing “referred” since 02/15. Not sure what it really means.
  10. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    They pulled me from Experian. I am from the East.
  11. S

    Credit Unions with good rates that accept applicants anywhere within the US?

    Howdy! New to the forum. Does anyone know how long we can lock in the rate from Armco? I got an instant approval 2 days ago for 3.2%/60 months, but my new car won’t be delivered to the dealer’s lot until 03/20. I have been getting inconsistent answers from Armco reps. One said I can lock in the...