I was just coming on to ask the same question! I discharged in Dec 18, got my new auto prior to discharge, and made first payment in November of 2018. I'm at 14%, no lates on new auto (actually no lates on old one as well, but that's in the 7). Would love to refi! Have tried a few places but they are saying no due to the 7.
Ah sorry, I missed that in your first post. Nope, no one will refi their own loan. Are you already members at Navy Fed? They have a pretty good reputation with those rebuilding their credit. Also you might try DCU, Digital Credit Union. Your 670 score may be good enough for a joint app with your husband's income for meeting DTI. You can app for a loan without being a member, you just have to join if approved. My car loan is with DCU but I'm 9 years post discharge and score around 730. (Yea! 1 more year 'till that *bleep* BK is off my report)