@indecison wrote:
I would go for the refi. You may or may not be able to get the lates taken off so you have to assume you cannot close on a house until after the lates age to 12 months. If it were closer then you have to worry with your score dropping because of the inquirey and your AAOA going down. But being that far out you should not have an issue and you will save a good chunk of money by doing the refi.
Sorry for the confusing post. I had only been half into my cup of coffe.
lol thank you for the additional detail. Yes, I am assuming I cannot close until the lates are 12 months old. However, I'm confused as to what month that 3/12 late would be a year old. On 3/01/13, when the bank reports the 2/28/13 data OR 4/1/12, when they report that as of 3/31/13, I am paid as agreed.
Also, does anyone know of a good place I can go to get auto refinancing with auto lates? I was thinking Cap One, just because my car fits their criteria and I already have a Cap One cc.
Chap7 discharge 07/2015
Fico 5/1/19: TR:650(73% util)
Cap1(Plat+QS) 3500+4500/Merrick 1600/Express 4100/Overstock 4900.
