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can I refinance with lates

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kaylord84
Frequent Contributor

can I refinance with lates

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: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 723 TU 665 Ex 682
Goal Score: 700 All 3


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