What is the lowest rate anyone has gotten through houselhold? Have you been happy with them? I am debating, Eloan sent me through them for re-fi I guess because I am upside down on 1 year old car. Dont have any negatives, but scores are not the greatest, about 617-632 Equifax, lower on TU, dont know about EX. If I wait and come up with about 3k, I could go through a prime bank. Is it possible that household would offer me around 10% or lower? I am currerntly at 18%. But I dont know if I want to deal with Household. Please help me out here. thanks
Household stinks. They told me that they consider everyone deliquent who has an account with them. That is off the bat. If you don't have you payment in before the due date, they will call your house at least 4 times a day until they do and it doesn't matter that you told the others who have called. I had a very high interest rate and I would never give them my money again!!
In september I sent a payment through my online bill pay and somehow it never reached them, they called me 2 days after the due date, kept calling home and work before I was available... I thought that was a bit much... but In this case I was glad since the payment supposedly got lost... so I was able to send another payment right away.. but I can imagine if someone is really late, they will make your life hell. I havent had too much of a problem from them, but my APR is high, and I would love to refi... best bet at this point for me is to just pay the loan off ASAP. I am aiming to have it paid off by January.
I don't hold Household in very high regard. I got a letter from them a year ago saying that they would re-finance my auto loan for a lower APR, if they couldn't they would give me $100. I thought what the heck what do I have to lose (had 15.7% rate at the time). Their rates we advertised on the direct mail piece as being between 9% and 21%. My FICO on the report they pulled was 650's at the time. Rep takes my application over the phone, puts me on hold, comes back and says great news Mr. XYZ we can re-finance you at 16.8%. I said "That's not great news, I have 15.7% now. Give me the $100, Thanks." Rep puts me on hold comes back 5 minutes later and says we'll give you 15.6%. Screw them I never got my 100 bucks. EdG
