Heres my situation, last year about this time my credit scores were about 530-550 from each cb. I got an autoloan from wachovia dealer services at 18.9% apr for 301.09 a month. I have paid that on time every month since Dec. of 2008. I have 5 credit cards from various low credit limit high apr/fees companys (credit 1, first premier etc) all of my balances are pretty high 75% or so except for one of them. I am going to have about 3000 dollars to spend from my tax refund and I want to maximize my credit score (which now sits at about 610-630) what would be the best way to do this? I would love to refinance my car but I dont know who would take my LTV ratio. I have a 2006 pontiac g6 worth 8500 or so KBB private party good condition and my loan payoff is 10500. any info and advice would be greatly appreciated, I am new at all this.