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can I refinance with lates

Regular Contributor

can I refinance with lates

Hi I have 3 auto loans on my reports. One is paid and closed January 2010 with no lates. The others are one with Carmax financial opened 3/2012 and has no lates. The other is with Ally financial @ 16.65% opened 4/2012 and has 3 lates total.2 30 day lates February 2013 & June 2013. And one 60 day late July 2013.

I need to refinance at a lower rate I was denied by my credit union back in October 2013 . but my scores have improve since then . thanks for the help

Starting Score: 475
Current Score: 645
Goal Score: 700

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