TransUnion is 698, mainly because I've received a lot of new credit recently. Experian is 644, I have public record against me(in error) should be removed soon, and have sought new credit recently. Equifax is 741, Again opened new credit recently, and short credit history. No late payments, etc... I've got a auto loan @9.99% on a 2008 Ford Hybrid...paying on it for 5 months now. Should I wait to refi, or is now as good a time as any? What type of rates should I expect? Thank you so much for your time.!!!