https://ficoforums.myfico.com/t5/Auto-Loans/Refinance/m-p/1717580#M26185 <P>Hi,&nbsp;</P><P>I purchased a used car toyota camry 2010 30000 miles,3 months ago, with a huge APRs 25%, but I needed the car and I did it,&nbsp;</P><P>I didn't have any score history until 2 weeks before i bought the car, when my score showed 654 fico, I was surprised then it dropped to 624.</P><P>now it does change, right now is at 647, i pay my credit cards in full but they never report bc of the day they reported so sometimes reportes balances and it goes down and sometimes it reports 0 balance at it goes up varies 650-696.</P><P>i have 3 credit cards with 1. $200 limit, $300 limit, $300 limit.&nbsp;</P><P>car loan $16000</P><P>monthly payment $457 for 72 months goal is 5% APR. or less</P><P>I did open an acount with a credit union, so i heard they give better deals on refinance.</P><P>If anyone can give any sugestion what should i do next i would apreiciate</P><P>&nbsp;</P> Thu, 31 Jan 2013 04:58:30 GMT Anonymous 2013-01-31T04:58:30Z https://ficoforums.myfico.com/t5/Auto-Loans/Refinance/m-p/1717580#M26185 <P>Hi,&nbsp;</P><P>I purchased a used car toyota camry 2010 30000 miles,3 months ago, with a huge APRs 25%, but I needed the car and I did it,&nbsp;</P><P>I didn't have any score history until 2 weeks before i bought the car, when my score showed 654 fico, I was surprised then it dropped to 624.</P><P>now it does change, right now is at 647, i pay my credit cards in full but they never report bc of the day they reported so sometimes reportes balances and it goes down and sometimes it reports 0 balance at it goes up varies 650-696.</P><P>i have 3 credit cards with 1. $200 limit, $300 limit, $300 limit.&nbsp;</P><P>car loan $16000</P><P>monthly payment $457 for 72 months goal is 5% APR. or less</P><P>I did open an acount with a credit union, so i heard they give better deals on refinance.</P><P>If anyone can give any sugestion what should i do next i would apreiciate</P><P>&nbsp;</P> Thu, 31 Jan 2013 04:58:30 GMT https://ficoforums.myfico.com/t5/Auto-Loans/Refinance/m-p/1717580#M26185 Anonymous 2013-01-31T04:58:30Z