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Just financed new vehicle through GM Financial. Checked contract from purchase and it said MAY have pre payment penalty . Just hit my Experian as new account. How long do I have to wait to refinance?

If this is not the correct forum, if mods would help get it where it belongs I would be appreciative.
 
These are my auto 8 scores. According to Experian, my Auto 8 is now 693 (as of today’s update).
 
I was 580 a month ago. I got a lot of inaccurate and outdated info deleted. I got a secured discover card with $2k balance, a Capital One secured $1k limit, and a Credit One Amex with $300 limit (yeah, I know, but it’s Amex)
 
I gained about 100 points across the board in a little over a month.
 
I have 3% utilization in credit. 3 years perfect hx with car payment.
 
I’m a 1099 employee and want to lease for tax benefits. I like the Mercedes AMG C63 that is roughly $1,000/mo lease.
 
What do I need to do? Will Mercedes accept this with $200k annuAl income? Or do I need to wait for 720 Auto 8 FICO?
 
Other advice or suggestions is appreciated.
 
 
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I just received a letter from an attorney in Virginia. (I don’t live in or near Virginia.) Attached to the letter was a warrant in debt that has a court date and a time for later this month for just under $300. The attorney says that the original is being forwarded to the court for filing.
 
Additionally it has my name (Ex. Tom Jones) on both the letter from the attorney and the warrant in debt paperwork. But the paperwork attached to the Warrant in debt is for my nephew (Ex. Tom Thaddeus Jones) who shares my first name but has always gone by his middle name his whole life which is different. It is his name (Thaddeus Jones) that appears on the signature line of documents, apparently from an apartment he lived in for a year.
I have never lived in Virginia. I never signed any paperwork for him. He lived with me in high school in another state after my brother died but that was 6 years ago.
 
First, is this really service or is the attorney fishing? I'm assuming they meant this for my nephew but the letter just had Tom Jones on it so I opened it. So how does this work? I can’t afford to travel 5 states away for this court date, so do I need to hire an attorney?
 
Second, I did contact my nephew who said he has never heard anything from the apartments complex after he moved out 2 years ago and swears he doesn’t owe them anything. When I went over the paperwork with him,  it seemed that something funny is going on. According to their own documents attached to the warrant, the lease was up on April 15th. He and the apartment manager signed the apartment inspection report on 4/16/2018. 4/16/2018 is listed as the vacate date. The inspection report also says "Rent Responsible Thru 4/16/2018".
What looks suspicious is the Statement of Charges.   First they charged him for rent for 16 days at $999. Then they charge him again for 14 days at $1342. Then they credit him back for 13 days at the higher rate and add $170 for rent for the 17th-20th. They then credit the rent payment my nephew made on his due date which was April 1st . Add to that a $70 late charge? Finally it shows the apartment was re-rented on April 20th.
 
Is it me or is this crazy? Not sure what I need to do at this point and don't know what to tell my nephew.
 
Thanks for any assistance.

Exeter Finance   is showing  an unpaid and past due  auto loan account on my Equifax report  seriously affecting my credit score.  I paid off this loan in August of 2018.  I tried using the online dispute system on Equifax online to no avail.  I have  also contacted Exeter and they have sent me a paid in full letter, I also have the title to the car which they would not have released to me having a balance due.  I sent Equifax hard copies of the paid in full letter and the title to the car .  Equifax continues to report the account is open and past because the original creditor ( Exeter Finance) is reporting the account being open and past due.  I have continously contacted both Exeter and Equifax.     Exeter is simply being dishonest and Equifax will not update my account as long as Exeter is reporting it as open despite presenting documents showing the account is closed.
 
Looking for any suggestions.
 
Thanks in advance.
 
 
 

Hi

Am unable to keep up with my Barclay Cards. They are offering to permanently 'close' the accounts. And, also move the debt to a low interest 5.9% and fixed payments for 5 years. I want to move forward with it.
 
How will this impact my credit bureau reporting? Are there better options?
 
Thanks!!