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I purchased a car in June of 2012. My credit scores were not great, by any means as I had just started to work on my credit after some rough times.
Needless to say, I did get financed through Capital One but with a huge 13.1% interest rate! I received a call this week with my Credit Union I recently
joined with them wanting me to refinance my car loan through them with a much lower interest rate...here is my question..
Since I've only had the car note with Capital One for 7 months, will it look bad to have that account closed after only 7 months and have a new
account opened with the CU? Does anyone know if this will affect my credit negatively? I'm clueless and could def use some advice on this issue! Thanks!
You may see a small decrease when Cap one is closed but should see it come back when the CU reports.
Thanks!