Credit Card Center Advertiser Disclosure

New Member
Posts: 1
Registered: ‎11-16-2012
0 Kudos


[ Edited ]


I purchased a used car toyota camry 2010 30000 miles,3 months ago, with a huge APRs 25%, but I needed the car and I did it, 

I didn't have any score history until 2 weeks before i bought the car, when my score showed 654 fico, I was surprised then it dropped to 624.

now it does change, right now is at 647, i pay my credit cards in full but they never report bc of the day they reported so sometimes reportes balances and it goes down and sometimes it reports 0 balance at it goes up varies 650-696.

i have 3 credit cards with 1. $200 limit, $300 limit, $300 limit. 

car loan $16000

monthly payment $457 for 72 months goal is 5% APR. or less

I did open an acount with a credit union, so i heard they give better deals on refinance.

If anyone can give any sugestion what should i do next i would apreiciate


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.