I'll go ahead and plug this question in this thread as well- I'm considering switching banks with whom I have a checking account; would that effect a chance of a better rate within a loan as well?
I may have my '97 car die on me within the next several months, and its tags are expiring come July as well, so I figure the repair money would be better spent on a down payment or similar...
Though if I switch now, would that impact any portion of a loan?
@2707eduardo- I would say pay off that credit union Visa as fast as you can- other than that, you shouldn't have an issue w/ getting approved for the Zync. My score is in the high 600's-ish and was instantly approved this last September.
Remember, things like inquiries fall under the category of "New Credit" as per MyFico.com, which is 10%. That one inquiry for Zync shouldn't impact your score a great deal.
[via FICO Credit Score Chart: What's In Your Credit Score?