Quote:
Originally Posted by BayMoWe335
Seems your story has been dressed up for the internet and/or you are not providing all the information.
675 is a terrible I think you meant (average) score and unlikely with what you say is 5 years of history and an income likely near $100K if your 6.5% pre tax story is true.
Bottom line, I don’t believe your story, but your credit is the problem.
Any person who has their head screwed on straight from a financial perspective as you convey would have never bought a car on 9.9% interest, period.
Not to be a hater, but there is more to this.
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What would be the point of providing false information? I am seeking advice on a very specific situation, if this was in fact not my situation, it would render the advice useless. To clarify, I started building credit 4 years ago, but my average age of accounts is 2 years due to the recent auto loan. -- my issue.
I agree on the 9.9% rate, which is precisely why I am looking to get out of it. I was a young first time borrower, and I made a mistake. Lesson already learned.