generations takes a 650 score. I STRONGLY suggest going to your credit union (or find one, or find a relative that has one).
yah any refi requires a "decent" score. 650 is around the 30% percentile meaning that 70% have better scores than you. I'd say 650 is a "decent" score but a poor one (not prime). Most credit unions will also consider your checking history etc into the factor..
Sam- I've tried Generations, but my TU score and the score they saw are completely different, so I got denied. Any other suggestions?
The only thing that may help me is that my car isn't upside down. I have $5-8000 equity in it. Charlie