Impossible refi

[Anonymous]

Taking on more debt is a silly solution to dealing with existing debt.

You are going to spend a lot of unnecessary money buying a new car and be in more debt and for longer . . period. 

[Dj4Money]

 OP where did you try to refi?

 Consumers Credit Union has very few restrictions - https://www.myconsumers.org/

 I would refi that way your payoff quote will be much lower. I carried $1200 of negative into my Focus ST, big deal I didn't notice it and I'll say it one more time was not what led to my bankrupcty.

[Anonymous]

What other debt do you have? Balances, percentages, minimums etc.. where are you scores at? I only ask because I'm curious about what else you could do to boost your score while you wait a year to refi the new car if you do end up going that route?

[Anonymous]

@FMC, if you were over limits six months ago, it might as well have been this morning. Transgressions like that will easily limit you with respect to additional cards, CLIs, loans, or any other lines of credit with a lender for two years or more. If I’m wrong here I apologize, but your post seemed kind of flippant but the banks aren’t playing. Anything less than following their rules and expectations and limitations 100% of the time will be held against you regarding the lines you currently hold.