I'm currently paying 12.75% on an auto loan, I imagine because of my credit score. Sadly, I pay ALL my bills and all credit cards on time and have been for many years. Nothing is in collection except a couple medical balances that are very small. Apparently, the other thing against me is having too many revolving accounts. (even tho they always get paid off) My husband and I even pay off larger balances on cards when we get our taxes. This is how we avoid drowning in credit! Some ppl pay their balances off each month. We do it once a year. How do I get a better interest rate considering I do take paying my bills very seriously...
Signed,
Sick to death of being responsible only to get shafted by credit scores