Moderator Emeritus
Posts: 11,028
Registered: ‎12-30-2011
Re: Where to Apply?

firststep wrote:

Here is my Update:

 

My utilization down to 35% from 98% .. score is 613 Experian by roadloan 

 

got loan from capitalone (19%) and roadloan (11% with 4K down)  [ car i am looking to buy cost me around 20K have downpayment around 7K ]

 

planning to go to dealer and ask them if they can give me better rate.... either way i will refinance after 6-8 months

 

guys... give me some advice what might be my best course to take ..  I need to buy car within 10 days ..thanks

 

 


11% isn't a terrible APR in your situation at all.  I think you already have your plan right there, that's exactly what I did actually and anecdotally it's worked for a lot of folks.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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