I have an extreme sub-prime auto loan (never been late) that is due to be paid in 18 months. I am ill of having paid such high interest DAILY (didn't read it at the time) but I was thankful to get the loan.
If my scores are 558, 558 & TU is 629; yes FAKO; and I have a CAP 1 good history account, do you think it's worth it to try to get a refi? I'd save myself $1800 in interest roughly but I've already paid $5000 in interest - yep - this car cost TWICE what it was worth if I go the whole time.
AND, who do they pull for this? I see them pulling my credit every month, varies from one report to the next. OR, would it be a "soft" pull so it wouldn't matter??
Thanks!