I applied for a car refinance after reading all the good reviews on here. They never call me to let me know what what was going on, finally I called them, and the man answered. I told him that I applied, but no body called me yet to talk about it. The man said wait after he got my name and other informations, then he said'' you was denied, thank you bye, have a good day''. I do not know the reason I was denied, because I think a credit score of 640, would be good enough, but there are other factors. He just did not explain anything to me.