tweetymac

Depending on what your credit score is will depend if you can get an auto loan for the amount that you want. If you have a lower score the rate is usually higher, a higher downpayment is required and the amount they will loan you may be lower than the car that you want. But from my understanding most people can still get an auto loan even with lower credit scores.

You can go to www.annualcreditreport.com and pull your credit reports for free once per year and you can review to make sure the information is accurate, if there is something that isn't accurate, the agency indicates on how to go about disputing the inaccurate information.

You may be able to et a lower interest rate, there are other factors that play into a refinance, such as the value of your house, do you know how much your house is worth?

I was an authorized user in the past and yes it helped raise my score, especially because they had the card open for over 10 years. I am not sure about the multiple cards.