I still got bad credit but i have an excellent payment history with my auto loan company for the past seven months. My interest rate is 22.92% YIKES but i needed a car bad. the loan is for 9270 and its down to 8400. I had it since May08 and i got 41 months to remaining. Seeking advice not a tongue lashing,lol.
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It is doubtful that 7 months will change your credit score that much. It is not just this loan, but how are all of your other dents that affect your credit score?
If you can get a better rate with a credit card, why not pay it off with that?
Auto finance is what I do for a living and I seriously doubt it. You need to make at least 12-18 months worth of payments as agreed to qualify for a refinance.