[Rick Lee]

You hate them because they offered you the best rate you could find? Or did you not look elsewhere? I don't know how old you are, but I did the exact same thing you did when I was 21. It took a while before my credit was repaired, but it's perfect now (I'm 36 now). Now I get more credit offers than I can sort through and when I bought my last car, the dealership gave me 3.90% which was far better than even my credit union could do. The same dealership probably gives 17% to some folks based on their credit history. Nothing wrong with that. Ask yourself if you'd loan your own money to people with charge-offs or low FICO's and for barely more interest than the rate of inflation.