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I actually found this site yesterday and I have been learning so much every time I read a thread. Anyways, with all my new found knowledge I decided to try to refi my car (BK 7 - DC last year). Today, I pick up the phone and called HSBC, I was approved and they offered me a loan 5% less than I had with AmeriCredit.

Thank you all for sharing your experiences and posts. I'm learning slowly but surely.

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