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Refinanced Car

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Hey Y'all

So I thought I should share my experience with you guys just so you know...you know :)

I poed here on Novemeber 1 2010, so 6 months ago and last month I got my first credit card although My husbands account shows up on my credit report as well as I am a authorized user on it.

I have a credit score of 653 and have decided to co-sign to refinance my husbands car so that A) It will have my name on the title b) to lower the rate and C) I hate capital one auto loans (there credit cards are great though). Due to my husband having a bankruptcy in his past when he bought the car last year(for me) the rate he got was extremely ridiculous ARP at 18.83%. However when I was approved today for the primary loan person , I was approved at a ARP of 7.99%. IS it the best? No but it is a hell of a lot better than 18.33.

Plus I get to build credit while paying off the car and Have my damn name on it lol .

~~~Marriage : 2009-07-10~~~

~~~I-130 Sent : 2009-11-24~~~

~~~ Medical : 2010-09-28~~~ ~~~ MTL Interview : 2010-10-20~~~ ~~~ APPROVED~~~

~~~POE Date :2010-10-31~~~ ~~~Received SSN's 2010-11-08~~

~~~Welcome Letter/Notice Receipt :2010-11-30~~~ ~~~Received Our Green Cards 2010-12-06~~~

~~~ ROC :2012-08-20~~~ ~~~NOA1 :2012-08-28~~~ ~~~BIO :2012-09-25~~~~




~~~Do not argue with an idiot. He will drag you down to his level and beat you with experience.~~~

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I've heard good things about PenFed auto loans


02.14.2009 - Started chatting online

06.07.2009 - First meeting : Syracuse, NY

07.03.2009 - Spent 3 days together at Philadelphia

08.15.2009 - Engagement in Toronto! In front of her and my parents!

12.31.2009 - Civil Wedding in Toronto!

03.xx.2010 - Got Marriage Certificate but they mispelled my name. Reprint ordered.

05.15.2010 - Finally got correct marriage certificate

06.01.2010 - Ended 4 night trip with her in Las Vegas, NV.

06.04.2010 - Sent I-130 to USCIC

06.09.2010 - I-130 delivered to Chicago USCIS @ 1:40 PM.

06.16.2010 - Check cashed

06.18.2010 - NOA1 received in mail.

07.18.2010 - Real wedding and other events at Brampton/Mississauga!

11.05.2010 - NOA2 text received.

12.21.2010 - Sign In Failed!

03.09.2011 - Original Interview Date (Date was changed by us as T was in India at that time)

04.05.2011 - Medical

04.26.2011 - Interview : Passed! Woohoo!

04.28.2011 - Passport mailed from Montreal/Dorval. At Brampton DHL awaiting pickup 4/29.

05.08.2011 - Point Of Entry : Peace Bridge, Buffalo, NY. Took 1 hour total.

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