blazzinbird wrote:Right now I have a car loan with a outragouse intrest rate. CS was low at the time. Now my fico score is 662 and climbing. Ive just payed off 3 maxed out cards. ! has shown up right now.Anyways I would like to get it refi to alot better rate.I do have a derog on my report from 02. Do you think that will hurt me at a credit union or not?Im also going to try to get a new bike in the spring as well.