Jump to content

Got a car,high interest, howto refi?


Recommended Posts

I recently was able to purchase a new car,2006 model but I had to put 4,000 down, my old car and my payments are still almost 500.00 amonth. The people with good credit are getting this car for half this price a month thru advertising at the dealer and I'd like to know the best way to go about refinancing. I've made the 1st 4 payments on time and will continure to do so. My bad credit was due to foreclosure on my home 3 years ago and unpaid credit cards in 2002 when my husband was ill. I still owe the credit cards but they should fall off in 2009 and the house of course has 4 more years. I am beseiged daily w/credit card offers that I ignore and shred, I have lived the last 5 years with no creditcards and have no desire to get caught up in that this time. When is too soon to try to get a lower rate? Should I try my credit union? They wouldn't preapprove any $ for the loan so would they possibly refi one? I pulled my credit report and the collection agencies had tried to make the original credit cards seem like theirs but I disputed and recieved word that they had been removed . They listed the original then their attempt to collect with a newer date so I wrote back stating these were all the same accounts and 5 yrs old. The credit bur. removed the collection agency. Any chance of getting a decent refi? Any tips on how long I should wait?

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.