625 TU 604 EQ Auto Refi Help

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I'm trying to fix my credit and am looking to see people experiences with getting a loan with roughly my scores. I have a Buy Here Pay Here 2004 GMC Yukon Denali XL that I pay $500 or $625 ($125 a month) on the truck. I want to refi that and get a loan so that way I'm helping build my credit. I make $74K and have a couple baddies that I'm disputing and some Medical bills in collection. My TU score, per my fico, is 625 and my EQ, again per my fico, is 604. I'm willing to get hammered on the interest rate as long as it'll help my credit score, I'm trying to buy a house next year. Any help would be GREATLY appreciated.

[Anonymous]

Well, you will be able to get a refinance so long as you let the lender take you to the cleaners. There will not be any problems unless you have any recent COs.