https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Karma-Refinance-Options/m-p/6221162#M76216 <P>I bought a used F-150 in June, 2019 which was before my BK discharged in August, 2019 and paid the price with a ridiculously high interest rate of 22%. In January, 2020 I refinanced it with a company called First Investors to a 13.2% for 72 months. I've since dropped the balance to $17,900 making on time payments all year. On Credit Karma I get these offers about refinancing to good rates, but kinda skeptical on&nbsp;requiring about it just because I don't want to get hard pulls on my credit.</P><P>So my question to you all, has anyone had luck with any of these or has done this? What was your experience?</P><P>As of today, Karma is showing 661 Trans and 680 EQ scores.</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screenshot 2021-01-04 174147.jpg" style="width: 337px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/68107iAD2BF210655D40BE/image-size/medium?v=v2&amp;px=400" role="button" title="Screenshot 2021-01-04 174147.jpg" alt="Screenshot 2021-01-04 174147.jpg" /></span></P> Tue, 05 Jan 2021 01:02:17 GMT ALLgoodABQ 2021-01-05T01:02:17Z https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Karma-Refinance-Options/m-p/6221162#M76216 <P>I bought a used F-150 in June, 2019 which was before my BK discharged in August, 2019 and paid the price with a ridiculously high interest rate of 22%. In January, 2020 I refinanced it with a company called First Investors to a 13.2% for 72 months. I've since dropped the balance to $17,900 making on time payments all year. On Credit Karma I get these offers about refinancing to good rates, but kinda skeptical on&nbsp;requiring about it just because I don't want to get hard pulls on my credit.</P><P>So my question to you all, has anyone had luck with any of these or has done this? What was your experience?</P><P>As of today, Karma is showing 661 Trans and 680 EQ scores.</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screenshot 2021-01-04 174147.jpg" style="width: 337px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/68107iAD2BF210655D40BE/image-size/medium?v=v2&amp;px=400" role="button" title="Screenshot 2021-01-04 174147.jpg" alt="Screenshot 2021-01-04 174147.jpg" /></span></P> Tue, 05 Jan 2021 01:02:17 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Karma-Refinance-Options/m-p/6221162#M76216 ALLgoodABQ 2021-01-05T01:02:17Z https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Karma-Refinance-Options/m-p/6221165#M76217 <P>I believe like their credit card "options" I would lean more towards marketing .</P><P>&nbsp;</P><P>Do you belong to any credit unions?&nbsp;</P> Tue, 05 Jan 2021 00:54:43 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Karma-Refinance-Options/m-p/6221165#M76217 Jnbmom 2021-01-05T00:54:43Z https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Karma-Refinance-Options/m-p/6221167#M76218 I was, but they closed all my accounts after my BK. Tue, 05 Jan 2021 00:58:52 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Karma-Refinance-Options/m-p/6221167#M76218 ALLgoodABQ 2021-01-05T00:58:52Z