After browsing the forums a bit I think I'm going to try and get approved for Cap One's blank check, then use that as leverage to get the dealers finance guys to compete for a better rate. Also, we have a car that qualifies for a $3500 rebate here in Texas and a few other tricks Im going to use to knock the price down! Nevermind the poor rate I'm bound to get, Im mainly going to work on getting the price down, then refi pretty soon. So excited about getting a much needed new-to-me car!
I appreciate your feedback so far, keep it coming! I need all the info I can get before I start this process!
-Thanks
Starting Score: 467 Equifax - 507 Transunion - 510 Experian (all on 07/2012) 