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She said all the issues are more than 2 years back so the UW may not need to have those addressed (provide an LOE). Before she americanexpress com personal loan my scoresreport I told her what my scores were from another lender last week. Using the midscore I gave her (which was the same as she pulled at 681) she quoted me a 8. 75 fixed, 0 points, 15 year loan if my score was 680 or higher.
I told her that with the recent hard inquiry budget personal loans week my midscore may be lower than a 680 and asked what the terms would be and she said, if approved on the loan with a midscore below 680, add 0. 25 to the interest rate, all else remains the same. So it seems as though, without directly asking, that their "guideline" score is 680.
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