So, in January, I was approved to purchase a car through Captial One for Up to 35,000. I currently have a 2015 Equinox and they told me I did not have to trade in my vehicle. Last week, I went and purchased a 2014 MB C250 with 20,000 miles on it for $24,000. Once tax, tag, gap and leather protection. OTD was a little under 29,000. MB Financial services beat Capital One interest rate and paid my first payment (it was a President's Day promotion). I did not qualify for the 2.99 special financing but received 6.9 and pay about $510 a month. I state all of this because I want to keep my SUV but I need to refinance because I just wanted to be in a car at the time and could afford the higher payment and knew I would either trade or refinance after 7 months. I purchased my SUV in May and it was through Santandaner (yes, I know). I want to refinance before my new car shows up on my credit because I know they like to give you a higher rate when they see a second car. My AUTO 8 scores are as follows EQ: 644 TU: 673 EXP:648. Who do you suggest for a quick lower rate? Thanks in advance!
Oh, I forgot to state I was sent a refinancing through Capital One but when going online they do not list my car.
Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board
