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Eric said: "I purchased a new vehicle in Aug. and got kind of taken to the cleaners on my rate. The finance manager said in order to get a good rate I need over 700 scores. My mid is a 601 now and is steadily climbing. Is this b.s.? I want to refi the loan because of the rate. Any suggestions as to how long to wait and who is a good lender? He told me US bank was a great one. I am also worried about the loan to value being upside down because of depreciation? Any advise?"
Eric said: "sorry this was ment for the auto loans"