I have been involved in a car accident, I did wrong, and curiosity, which seems to give the car was heavy, when controls insurance company to reduce their real value based on “private party value to turn it off,” or ” retail price? This is a 98 ‘Honda Civic car before, and IM just want to know how much I have to wait. . .
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.