I went and refinanced my car last week thinking I wasn’t going to be able to because of my ex-husband’s bad spending habbits that I thought ruined my credit. The loan officer told me there was nothing on my credit report that was bad and I got a really good rate on re-financing my car too!I was able to save $50 a month on my payments. This will help me pay off my debts faster and I’m never getting back into that situation again. If I can’t pay for it in cash, I don’t need it, that’s my motto from now on.