I bought a used F-150 in June, 2019 which was before my BK discharged in August, 2019 and paid the price with a ridiculously high interest rate of 22%. In January, 2020 I refinanced it with a company called First Investors to a 13.2% for 72 months. I've since dropped the balance to $17,900 making on time payments all year. On Credit Karma I get these offers about refinancing to good rates, but kinda skeptical on requiring about it just because I don't want to get hard pulls on my credit.
So my question to you all, has anyone had luck with any of these or has done this? What was your experience?
As of today, Karma is showing 661 Trans and 680 EQ scores.
