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 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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Update from my last post. About to close on our dream house in about a week and the price tag is $347,900. Things didn't work out with me purchasing our current residence as my landlord refused to make any repairs and the price jumped to $210,000. It isn't worth that much. Landlord is upset that I'm not buying her property and is trying to evict us before we close on the house. Never paid her late so I hired an attorney.
Best of luck finding a new car...keep us posted. :-)
Best of luck finding a new car...keep us posted. :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
