Re: Is it worth it to refi for 1% less? Or, should I wait for something better?
By only having 1 credit card reporting a balance, you should get a few more points. I got a 5.9% loan with fico 8 scores around 650 though my auto enhanced score was 690 which was used for my approval. Went with Chase through dealer though Capital 1 approved at similar rate.
For <1%, I wouldn't bother. I'd try again in 6 months for better when I assume your scores will have improved more.
2017/09 FICO8: EQ:585, TU:549, EX:580 | No opened accounts | 1 unpaid CO, 1 paid CO + related Col | several lates 2.5+ yrs ago Current FICO8: EQ:702, TU:670, EX:669 | CC Util 4.6% | 2 paid CO + 1 related Col (all fall off 12/2018) | 3x 30 day lates 3-6yrs ago AAoA: 10 to 11 years; Opened Acc Only: 4 months INQ (Eq/Tu/Ex): 2 / 1 / 2