Here is my Update:
My utilization down to 35% from 98% .. score is 613 Experian by roadloan
got loan from capitalone (19%) and roadloan (11% with 4K down) [ car i am looking to buy cost me around 20K have downpayment around 7K ]
planning to go to dealer and ask them if they can give me better rate.... either way i will refinance after 6-8 months
guys... give me some advice what might be my best course to take .. I need to buy car within 10 days ..thanks
11% isn't a terrible APR in your situation at all. I think you already have your plan right there, that's exactly what I did actually and anecdotally it's worked for a lot of folks.
Capital one. No No they turn me down 2 times . lol and they pull all 3 for your app !
I finally bought a car and got interest rate 9% dealer beat roadloans rate of 11% ( credit score : 610 transunion dealer pulled)
I am still planning to refinance after 6 months.
thanks everyone for your valuable input.