I need to refinance my auto loan with HSBC. My current APR is 15.49 and I have made regular payments for a year and half now. My latest FICO® Scores are:
TranUnion: 617 (07/02/2008), Equifax: 652 (07/05/2008) and Experian: 665 (07/05/2008)
HSBC lady told me they don't have a program to lower my APR and I don't see how i could be paying that interest rate with my current scores. I live in Illinois. My Credit Union pulls from TransUnion. I'd rather deal with lenders that pull Equifax and Experian. Any ideas would be greatly appreciated.
