consumer central FAQ
what step must be completed for both decline and counter offer?
adverse action
We have 700+ score, 89% LTV, at 72 months, for a 2022 auto. dealer has a higher score of 800+. What is the rate?
2.89-.20-.20=2.49%
do they take higher scores from Transunion?
what team mate is deathly afraid of dinosaurs?
Amanda!
what are Todd's favorite snacks?
Jerky and Spitz sunflower seeds
Do we need to manually re-pull MLA with a frozen credit file?
No- the credit and MLA will pull reports at the same time (one step)
740+ score, 112% LTV, 36 months, 2014 auto. what is the rate?
3.89%
what are the allowable book values?
J.D. Power, NADA retail, and KBB wholesale
what was our highest app count on a Saturday?
X100 bonus for the date
707 & March 13th
What are the names of Ace's favorite sports teams?
Sea hawks, Angels, Jazz, & the Craken
Do we have personal queues?
No - we need to keep an app open until we are done with it,.
685 score, 118% LTV, 84 months, 2018 auto. Dealer has 740+ what is the rate?
3.29%
what is the charge back period & max pay out?
120 days and $1500
how many team members own 2 or more bikes?
13
how long have Ace and Todd been with the CU?
Ace: 2016 & Todd: 2014
how many apps can we have open at once?
5
700+ score, 125% LTV, 60 months, 2012 auto, dealer has 800+. What is the rate?
5.24%
what is their max loan amount?
$100K
how many total people went on the rafting trip last summer?
23
What is Todd's favorite color?
what status do Open Lending deals need to be to re-decision them (re run through OL?)
Review status
687 score, 117% LTV, 36 months, 2020 ORV. Dealer has a 690+ score. What is the rate?
4.05+.25=4.39%
what is the rate increase for 150K + miles on an unit?
1.50%
Stubbs
What is Ace's favorite food?
X200 bonus points if you know what exactly it is
Mexican food
Chili Relleno