So I have an Auto/RV loan at 7.5% interest rate 9 years left on loan, current payment $210. Now understand my wife an I bought this when our FICO scores where floating around 650 for both of us, My wifes is now at 730, (all baddies have dropped off)
Mine is floating around 690, with one PAID baddie still reporting for the next 6 months.(acting as an anchor most likely)
We just bought a used 2012 Dodge Caravan and got 4.4% financing 72 months.
The dealership showed us our Auto credit scores- mine 749, wifes 756,
credit card debt 9% util
Mortgage interest rate 3.62%
Annual combined income 72K
so
wifes car is at 4.4%
my truck is at 4.9%
house is at 3.62%
The RV being the outlier at 7.5%
Can I redo that to get it at or below 4%
over 9 years it would save me a good deal of money,,
any options? has anybody done such a thing before?
American Express-NPSL-Home Depot-$10,000 Venture-$10,000 Discover-$14,500-Quicksilver$3,000(2)Quick Silver$2,750 (1)Capital One$1,750-(1)Barclay-$3,000-(2)Barclay-$2000-(3) $5000-Old Navy-$800-PayPal-$361-Target-$300 Authorized User--Discover-$4,000-Capital One-$3,250 Best Buy-$4,000-Barclay-$2,000 {Starting scores 550,562,565, Current Scores 683,695,702 }Mortgage score-695(credit Union Source) Goal-over 700 for all scores