Re-financing my car.

[twistyroad]

Hi, I have a FICO score of 555. I bought a car last May with a 19.5% interest rate. I want to re-finance but I'm afraid that I won't get that much better of a rate although I've made every car note and mortgage payment on time for the past year. Will credit unions and lenders consider payment history or will they only look at my FICO score?

[Anonymous]

Ask them. What's the harm?

[smallfry]

I was able to refi with Capital One Auto Finance less than two years out of BK filing. Worth a try. I went from 19% to under 7%.