Auto Refinance - Companies that pull Equifax?

[Mrs_Todd]

Can anyone share auto loan companies / banks / credit unions that are known to pull Equifax reports? That is currently my best score I believe and really need a lower APR than 22%. I am repairing my credit currently and will wait a while longer for my score to increase if I have to, but I really would like some choices.

[Anonymous]

It varies by state. Have you tried going to a dealer? They will typically pull all 3 and then submit your best one to the bank they think most likely to approve at the best rates. They usually have at least 6 or 7 different banks they work with.

[pizzadude]

I would just start by calling around to some local CUs or banks, and asking about their auto loans, or stopping in and having a quick chat with a loan officer.    They should be able to tell you which report they'll pull, and give you a ballpark idea of their rates.

[Mrs_Todd]

Do dealers actually offer refinancing?

[Mrs_Todd]

Is it possible to have an auto loan charge off from two years ago and still get refinanced? I currently have a good payment history for my current car for 18 months with no lates.

[Anonymous]

ooops sorry. Missed that in the title, just read the message part. In that case I would call around banks & credit unions and ask or go in and talk with them as suggested up thread.

[pizzadude]

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@Mrs_Todd wrote:
Is it possible to have an auto loan charge off from two years ago and still get refinanced? I currently have a good payment history for my current car for 18 months with no lates.

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Yes, It should be possible, but the rates will likely depend on your FICO score.....any chance you can get the negative account GW'd or deleted ?

[Mrs_Todd]

That will have to be my plan of action before refinancing...gw or deleting. Is 620 equifax fico a good score for chances for refi?

[pizzadude]

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@Mrs_Todd wrote:
That will have to be my plan of action before refinancing...gw or deleting. Is 620 equifax fico a good score for chances for refi?

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I think you should most definitely be able to get a better rate than 22%.  

[Revelate]

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@pizzadude wrote:

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@Mrs_Todd wrote:
That will have to be my plan of action before refinancing...gw or deleting. Is 620 equifax fico a good score for chances for refi?

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I think you should most definitely be able to get a better rate than 22%.  

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Probably easily with a CU and 18 months of positive auto history recently.