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Ok thanks for your advice. The only thing I can do is try to keep improving it and then refinance when I'm in the next bracket.
@JNQueen wrote:Ok thanks for your advice. The only thing I can do is try to keep improving it and then refinance when I'm in the next bracket.
Yep. And I would suggest you look at credit unions. They have the best rates, and they all seem to be desperately pushing auto loans.