Hi I have 3 auto loans on my reports. One is paid and closed January 2010 with no lates. The others are one with Carmax financial opened 3/2012 and has no lates. The other is with Ally financial @ 16.65% opened 4/2012 and has 3 lates total.2 30 day lates February 2013 & June 2013. And one 60 day late July 2013.
I need to refinance at a lower rate I was denied by my credit union back in October 2013 . but my scores have improve since then . thanks for the help
Starting Score: 475 Current Score: 645 Goal Score: 700