Kenneth D asked:


My wife had no credit when I got the loan, but she has credit now and I want to add her to the loan, but to do so I will have to refinance. This could hurt my score? But could help my intrest rate. (Currently 13%) May credit has also gotten better since the loan. It’s been 7 months now, I heard I should wait until a year.

Andrew

Kenneth D asked:


My wife had no credit when I got the loan, but she has credit now and I want to add her to the loan, but to do so I will have to refinance. This could hurt my score? But could help my intrest rate. (Currently 13%) My credit has also gotten better since the loan. It’s been 7 months now, I heard I should wait until a year.

Shawn