Household bank can KISS MY ASS!!! Yes my credit blows, I know that, everyone knows that! Here is the thing, the lying bastards said that I could refinace my car after paying 6 consecutive payments on time. This is what the pricks did, pulled my credit and said NO. (this was after 12 consectutive payments on time! NEVER LATE ON ACCOUNT!!) My interest is a whopping 21.95% and I have paid down the principle a staggering 1000 bucks in 1 year. WHOOOO HOOO!!! I wrote a letter to PFB and I have heard no response in almost 1 month. now what? Any ideas on what I can do? I applied for auto refinancing through about 5 different places yesterday, and was denied each time. Need suggestions.
I think you will need to get your scores up to the mid 600's before you will get another lender to accept this
You will probably need to raise your scores if you have any hope of getting a better rate. You can always send another PFB request and let them know the "deal" that you were promised and even if they still refuse to lower your rate they should tell you why and then you can take a look at your reports and see if there is any area that you can attack right now to help get you that lower rate. Good luck
