https://ficoforums.myfico.com/t5/Auto-Loans/auto-refinance-question/m-p/1785216#M27019 <P>I've never refinanced a vehicle. I am wanting to do so, but right now my KBBV is around 1k lower than my loan amount. They discontinued making my model and when that happened the&nbsp;value fell out of it! Im currently around 12% and its set to be paid off in 2.5 years.</P><P>&nbsp;</P><P>This loan doesnt report to any CRA. Which is another reason I would like to refi. My current score is 680 ish on all three last time i checked myfico (EX pull for apt in sept) nothing negative since then.</P><P>&nbsp;</P><P>Im wondering what should be a good loan balance to car value when I request a refi? Just keeping track of that for the right to to refi. Ive never had any auto loan reported to CRA as its been through the same bank as I currently owe, and they do not report anything to any CRA. <img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /></P> Fri, 04 Jan 2013 14:35:00 GMT jcstarkey8826 2013-01-04T14:35:00Z https://ficoforums.myfico.com/t5/Auto-Loans/auto-refinance-question/m-p/1785216#M27019 <P>I've never refinanced a vehicle. I am wanting to do so, but right now my KBBV is around 1k lower than my loan amount. They discontinued making my model and when that happened the&nbsp;value fell out of it! Im currently around 12% and its set to be paid off in 2.5 years.</P><P>&nbsp;</P><P>This loan doesnt report to any CRA. Which is another reason I would like to refi. My current score is 680 ish on all three last time i checked myfico (EX pull for apt in sept) nothing negative since then.</P><P>&nbsp;</P><P>Im wondering what should be a good loan balance to car value when I request a refi? Just keeping track of that for the right to to refi. Ive never had any auto loan reported to CRA as its been through the same bank as I currently owe, and they do not report anything to any CRA. <img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /></P> Fri, 04 Jan 2013 14:35:00 GMT https://ficoforums.myfico.com/t5/Auto-Loans/auto-refinance-question/m-p/1785216#M27019 jcstarkey8826 2013-01-04T14:35:00Z