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KidEddie wrote:Hello all, i just want to start by saying thanks to all your advice, it has helped me alot and i value all advice i rec'd from this forum, just wanted to share my most recent experience, i took out an auto loan with Americredit for $24,000@ 18.9% (ouch) a year ago, and i just got approved for a refinance loan with Cap 1@ 7.9%, couldn't have done it without you guys here at the forum...thanks a bunch.