We need help!! We got ROYALLY screwed on a car loan in February. VERY high interest rate. My scores are low 
TU 570 (will not budge) EX 611 and EQ 612 (these 2 are slowly moving up). My husband had some discrepancies on his credit that have been taken care of ... a false public record and an auto loan balance that was showing (same auto loan showing as bk on my credit report, my DH filed BK, but the loan wasn't filed against, was paid in full, shows no ref to BK on his CR), that was actually paid off. His scores are now actually closer to 650. Do you think we could refi with a lower rate this soon? I make almost double his income, so sadly, I think I would have to be on the loan. He is a member of Navy Federal, but hasn't used them for many years.
TU 570 (will not budge) EX 611 and EQ 612 (these 2 are slowly moving up). My husband had some discrepancies on his credit that have been taken care of ... a false public record and an auto loan balance that was showing (same auto loan showing as bk on my credit report, my DH filed BK, but the loan wasn't filed against, was paid in full, shows no ref to BK on his CR), that was actually paid off. His scores are now actually closer to 650. Do you think we could refi with a lower rate this soon? I make almost double his income, so sadly, I think I would have to be on the loan. He is a member of Navy Federal, but hasn't used them for many years.
We just barely cleared up TU for him w/in the last month because for some reason he's not able to access his TU online?? So we had to do it through the mail. The auto lender will not remove the BK status from my Credit Report because they say we don't get to "pick and choose" what goes on the BK. Funny how it was his BK, and yes, now it shows 0 bal always paid as agrees for him, mine says 0 Balance, always paid as agrees included in BK??? His BK was 2006. I believe the current interest rate is 16.5 Retail value of the car is 24,095 and I owe 25,000. We are financed thru Nuvell? Never heard of them until the dirtbags at the dealership set up the loan. I asked my DH yesterday why he hasn't been using NF and he didn't have an answer, we just get his statement in the mail every month with a silly near to zero balance. I am not on the account, as it has not been used since we've been married.
Message Edited by turboturtle321 on 07-22-2008 09:53 AM
Retail value of the car is 24,095 and I owe 25,000. We are financed thru Nuvell? Never heard of them until the dirtbags at the dealership set up the loan. I asked my DH yesterday why he hasn't been using NF and he didn't have an answer, we just get his statement in the mail every month with a silly near to zero balance. I am not on the account, as it has not been used since we've been married.Message Edited by turboturtle321 on 07-22-2008 09:53 AM