.My wife and I want to really re-fi the car loan. I am waiting to for cap 1 and barclays to report with there $5 balances. LOL EQ is my lowest score because they won't take off the baddies. EX by far much better. Not sure if I should wait until may/june if I cant make them budge, or take chances once those cards show the new balances? Wells Fargo Auto *I am in GA* looks to pull EX or EQ. If they pull EX that would be great!! AUTO EN FICO is 663. Might want to get some extra cash with them *as they are the only ones that do that* any other advice on who to try and refi with? Chase? Current loan is through Cap 1 auto at 16.8% Scores are about (depending on what model) 30-80 points better than when applied maybe up to 100
any takers?
I am going in this afternoon to sign papers on my refi. I tried with US Bank where I have savings and checking and they flat out denied me. Then I checked with wells fargo and they approved me but at 9.9% which is 3% higher than my current loan. This morning I called the local credit union and they approved me for 2.89% and we will finish everything up this afternoon.
Sorry everyone, I just now saw that yall had replied. Ok, I will have too see what CU around here are BK friendly. I has been 2 years since disharched and GREAT re-establishment.