I needed a car last year and shopped around and got a 9.46 intrest rate from Capital One with a 654 TU score when I put down 2K on a 24500 car. Loan was finalized 12/31/2013, I wasn't much happy with the rate but I needed to buy something fast. I have paid my loan down to 17552 over the last 14 months. I am wondering if I sould refi and who I should refi with. TU score is now 709 and I got the one baddie off of my credit report. I have increased my credit card limits from 1300 to 12500 so my utilization is under 10%. I could just pay the car off this year but I am trying to save as much as possible for a house down payment.
I still have a problem with Equifax that i'm working on, and have a freeze on my account. I am wondering if I do refi, what kind of rate I can look at and whom I might be able to get a refi loan from in minnesota.
Any help is appreciated.
