Refinanced today with PenFed on a Wells Fargo Dealer Services loan that was only about 30 days old. Since this hasn't reported yet, is it possible that it will never show up? I have made 1 payment so far, if that changes anything. Reduced from 10.49% to 5.99%! Was able to reduce the term 12 months and keep the same payment. Will pay it down much earlier though and let it coast until I buy a different car. EQ coincidentally bumped 10 points about 5 minutes after the approval, due to a couple other accounts that popped up, so that was at 639. They used the same HP that was pulled today for opening my share & checking account.
