https://ficoforums.myfico.com/t5/Auto-Loans/Trying-to-refi-with-625-score-possible/m-p/6852179#M103846 <P>I got an auto loan with credit acceptance about 16 months ago, ~19k at 29%. The balance is currently ~15,500. However, it's a 2015 and the mileage 112,000, and most lenders don't want to touch 10 year old vehicles and 100k+ miles. My Score at the time was horrendous, like 480-520.</P><P>&nbsp;</P><P>I've worked greatly on my score since, clearing up most of my collection except for 3 (1 of which i have an upcoming trial for). My score depending on the model is 590-625 range. I am expecting a small increase to maybe 630-635 as i just paid off collection another account. Any recommendations?&nbsp;</P> Tue, 06 Jan 2026 11:47:39 GMT Prakas 2026-01-06T11:47:39Z https://ficoforums.myfico.com/t5/Auto-Loans/Trying-to-refi-with-625-score-possible/m-p/6852179#M103846 <P>I got an auto loan with credit acceptance about 16 months ago, ~19k at 29%. The balance is currently ~15,500. However, it's a 2015 and the mileage 112,000, and most lenders don't want to touch 10 year old vehicles and 100k+ miles. My Score at the time was horrendous, like 480-520.</P><P>&nbsp;</P><P>I've worked greatly on my score since, clearing up most of my collection except for 3 (1 of which i have an upcoming trial for). My score depending on the model is 590-625 range. I am expecting a small increase to maybe 630-635 as i just paid off collection another account. Any recommendations?&nbsp;</P> Tue, 06 Jan 2026 11:47:39 GMT https://ficoforums.myfico.com/t5/Auto-Loans/Trying-to-refi-with-625-score-possible/m-p/6852179#M103846 Prakas 2026-01-06T11:47:39Z https://ficoforums.myfico.com/t5/Auto-Loans/Trying-to-refi-with-625-score-possible/m-p/6852470#M103848 <P><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1189292">@Prakas</a>&nbsp;Do you have a local credit union? If yes I would suggest to join one and ask for a auto refinance. Good luck!</P> Wed, 07 Jan 2026 22:55:03 GMT https://ficoforums.myfico.com/t5/Auto-Loans/Trying-to-refi-with-625-score-possible/m-p/6852470#M103848 gingerflower 2026-01-07T22:55:03Z