I want to first thank everyone on this forum for all the great knowledge. I have been lurking for awhile and recently started the process of obtaining credit again since a few charge offs on my credit(which are pif but still there). Back to the topic with all the knowledge I worked on improving my credit and finally today I was approved to refinance my car for a shorter term and a lowest interest rate of 9.24% which is still high but far better then my 13.91%. Thank you everyone for the knowledge that helped me come out of this dark hole of bad credit.
