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Spot delivery agreement
So I'm in a spot deprived agreement that I'm trying to get out of. The only way out is if something changes on the original contract. My credit score is 637 I'm 20 years old with less than a year and half of credit history and I have no co signer. The finance amount is $28,000 at a 8.9% interest rate for 82 months and I was upside down $6000 which was added on. Do you think a bank will approve? Or increase the payments and interest rate. The payments are $453 a month. Help!!!!

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