Of course because my FICO isn't good enough for everyone, I'll probably end up getting Hurley State Bank to do my financing for my Gateway computer at some horrendous rate, but maybe not...my score is up since the last time I applied and was only offered rates from Hurley State Bank. Anyway, if I was to get only an offer at Hurley State Bank do you think I could ask them for a better rate after a few payments? Or is that rate locked in for the life of the loan? Has anyone done this? Also, if I was to get a loan from them would it show up on my report as Gateway financing or from Hurley State Bank? I don't know, I don't really want a subprime bank listed on my report. I already have Providian there. Thanks in advance!