Online Credit Repair Secrets
I need to refinance my car/get a car loan in order to A) Get my ex off the pink slip and B) Get a better rate.
I just paid off 5,000 in debts, and now have no other obligations besides a 1,000 credit limit card from wamu, which I have paid over the minimum on for quite a while. Currently my credit score is at 574, could be better. However, here is where the issue lies. I am a nanny, and I am being 1099'd. Nobody will give me a loan when I am not "working" and I am! I am getting about 1200 gross a month, more than enough to cover the loan (my current one is 12% APR 274 a month). All the applications I have filed online have failed. Will I receive more attention if I go in the bank branch? If my parents cosign will they be more likely to give me the loan? Will they give me a loan even if the car is damaged (not my fault too, hit and run)? UGH. More info: Car is a 2007 Toyota Corolla S. It has some damage I am planning on repairing. I have 11,000 left on the car.
Public Comments
- I recommend a couple of things. 1) Can you get a loan from your bank? As they see the amount coming into your account each month. 2) Try to go to the bank and bring your pay stubs, this might help. 3) If you parents are willing, absolutely have them co-sign, this will probably get you a better rate and lower payment. Good Luck.
- A couple things, refinancing the loan will do nothing to get your ex off the pink slip. Two different documents. Getting your ex's name off the loan does nothing to the title. Good luck trying to get your ex to take his name of the car title. Why would he? Especially if you take away his obligation to to pay the loan back by taking his name off the loan. Refinancing a used car at a lower rate is usually very tough. The car is not worth what it was when new and that's usually when you get the best rate. They don't care whose fault it is that your car is damaged. Just that they're asking to provide a loan on a damaged car. If you want to get your ex's name off the title, you need to "pay him off" for whatever ownership he has in it. As far as refinancing the loan at a lower rate, good luck. It will be tough.
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