I got my car back in October 2013 through Navy Federal. I got $9K at 16.39% at a length of 49 months. I have never made a late payment. Always on time.
Currently
- My credit utilization is around 23% but once all of my new/account increases update this week it will be well below 10%.
- Fico 08 Scores: EQ - 631, EX - 608, TU - 635
- Around 10 accounts opened within this past year
- 1 charge off and 2 collections (Charge off has been removed from EX and TU as of Monday. Waiting for Midland dispute to be finalized and all I will have is 1 charge off that I am currently making payments on. Will ask for PFD when I can make the final payment in full.
- I have a total of 2 late payments on my navy federal credit card. Late are over 9 months old They will not budge with any of my goodwill letters; however they did recently increase my cash rewards (opened in Oct 2013) from $2,500 to $10,000 last week. That new limit should be reported today.
I want to refinance my car for a lower interest rate because I feel like all my money is going to interest. My current payoff amount is $5266.26. Any suggestions? I bank with USAA and somehow I got in with my boyfriend's information and they did not ask for documentation. I currently have car insurance with them which was effective back in April. I pay about $129 a month thanks to all of his citations. My payment would of been below $100 for full coverage but because we are both in the same household and he cannot drive a stick might I add, he cannot be removed 
Anyways..Does anyone have any suggestions. I guess I should add that I have a 2008 Kia Rio5 LX. Any and all help would be greatly appreciated.
Most companies do not refinance auto loans currently thru them. A lot of them won't finance anything unless it's $7500 or more.
