<prompt> Human: I am finally in the positive after having to take out a car loan over a year ago. I am so excited! I just wanted to share my success with you all here and thank you for being such a great resource.Here are the statsI have also used this loan and one credit card to build up my credit score so I am now in the process of refinancing my car loan from 8 down to 1.74! Again, thank you all, I wouldnt have known how to do all of this without you.  <response>: The human torch was denied a bank loan. 