You will get tons of offers in the mail for auto loan offers. I don not know if you will be able to lower your rate with Honda. You are not in a position of power after reaffirming the debt. I too reaffirmed my car loan after Ch. 7, so I know what you are going through. How many months are remaining on your loan? Mine was under 12 months so that is why I reaffirmed and I did not want to risk losing my vehicle that I had been paying on for 4+ years.
Starting Score: TU 477 EQ 533 BK 1/27/2012So far pretty good. It seems like our scores have shot up VERY quickly. I hope they do not plateau on us here soon. You can see below. My wifes scores are a 10+ better than mine. You can see below.