score 633, paid off about 8 accounts last 30 days. I want to re-finance my car and purchase a new one.
How much do you think my scores will increase because of my debt reduction? My bank quoted 8.5% for new car and 10.5% for re-fi. Besides E-Loan and PeopleFirst, who else could help me.
Do you think I could get lower rates anywhere? I want to do this is may.