Purchased a 2013 Dodge Charger AWD SXT for $25,233 out the Door with Ally bank at a 15.45% intrest rate. February of 2016.
I have made on time payments,except in May I paid 11 days late. (Not sure if this affects my credit score, I do not believe it does)
Current pay off is $24,578.72.
Credit was 602 with Transunion when I financed. I now wish I had done more digging as I've seen much lower rates at that low of a score.
Either way.
Currently auto score is in the mid 600's.
Do I wait 6 months before Refinancing? Do I go a year?
My credit union placed the cars value at $27,600. So at least according to them I'm not upside down but I've down a few Blue books on my car and have seen it as low at $18,000...
EEP.
Where should I go with this? Help.. 
@Creditaddict wrote:if you already have a credit union and they are placing the value higher, I would apply with them and see what they will do!
You can always refi again in another 6 months if you continue to work on your credit.
My CU is saying I have to wait at least a year of on time payments on my car before I can try with them 
@Anonymous wrote:
@Creditaddict wrote:if you already have a credit union and they are placing the value higher, I would apply with them and see what they will do!
You can always refi again in another 6 months if you continue to work on your credit.
My CU is saying I have to wait at least a year of on time payments on my car before I can try with them
well, they suck!
I would join Navy Federal.
@p- wrote:
Invaderofbunnie wrote: Current payment is $545 a Month... 72 months... I only have one Derog... Credit car UTI is currently at 80%That 80% utilization is likely your biggest score killer. If you can handle it, live on top ramen for six months and pay it down to 4% or less before you app. As far as letting that baddie rot, I assume you've tried to PFD. You might consider just paying it so you don't have a balance on there. How long do you have before it ages off?
The "date assigned" is December of 2014 but this is from a Sprint account from back in 2012 so I'm not sure What the actual age off date is. I have spoken to sprint about paying them off directly (They still own the account. It has not been sold off) and they said I could pay it and they would close the account in good standing. But what does that mean for the Collection Agency? Do they stop reporting the account or does it just drop to a zero balance.
Ramen? I love Ramen. 
Speaking of utilization; I forget who originally posted this, but it's a chart of a bunch of files with different AAOA showing how their cc utilization affected their scores. It's funny, some were better with a small balance, but all files tanked as utilization went up.
