Long time lurker, first time poster. After all of the advice I've read on here I thought it would be prudent to share my story.
Today, NFCU refinanced my 19.2% auto loan into a 3.59% auto loan, and shortened my payments by 3 months while saving me $70 per month. The last time I checked, my fico score from Discover was 661 at the beginning of May. I also have a discharged BK7 from 2012, so I'm really quite happy! Thanks for all of the advice that I have read on here!
