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Refinanced with capital one auto 6 months ago, question

povertybro
New Contributor

Refinanced with capital one auto 6 months ago, question

Since then, my utilization is now 0% and my three collections totaling $1800 is paid off. 

I'm currently at 12.5%, with this improvement can I negotiate a lower rate or will I have to find another provider?

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2 REPLIES 2
4sallypat
Frequent Contributor

Re: Refinanced with capital one auto 6 months ago, question

What is your current rate with Cap 1 ?

 

If you re-fi, you will have to go to another lender as Cap 1 won't re-fi their own loan.

Message 2 of 3
incognitony
Regular Contributor

Re: Refinanced with capital one auto 6 months ago, question

I would check with a local credit union or one of the national ones like DCU or Penfed if you think your score has went up.

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