No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Not sure. The question is why is your score 630? There may be a few things you can do that would have a nearly immediate (30 days or less) impact on raising your score. The first would be looking at your utilization. Where does your utilization currently stand? Can you have the ability to pay off your revolving debt tomorrow if you wanted to? That could bump your score up depending on where you're currently at and where you can get it to and once it reports (30 days or less) you'd get a score increase. Are there any negative items on your credit report that are incorrect? If so, you could dispute them and get them removed within 30 days.
If I were you I'd simply take a step back for a moment and figure out if it's possible to get that 630 up quickly. If so, it could save you hundreds, maybe even thousands over the life of your auto loan.
Paying the medical bill and having that removed will help, but if you still have multiple student loan accounts with negative information on them you're still in a dirty bucket and won't see a huge increase until you get rid of your last negative item, thus making all of your accounts "clean."
What about your utilization?
I mean revolving credit utilization. That's your total credit card balances divided by your total credit card limits.
I'm guessing they may not have gotten that from a dealership, 18% is sorta common depending on which dealership you went to.
Talk to some credit unions or similar, you should do better than that arranging financing beforehand.
Have you tried Cap 1's auto navigator?
Try Capital one Auto Navigator. My scores are 605 598 630 and we just bought a 2017 Ford fusion for 8% Through Capital one. I have 7 medical baddies and mulitiple lates about 8 months old now. current on everything else. Oh and I also have a state tax lien, but on a payment plan on that. Two paid judgments. Good Luck
@Revelate wrote:I'm guessing they may not have gotten that from a dealership, 18% is sorta common depending on which dealership you went to.
Talk to some credit unions or similar, you should do better than that arranging financing beforehand.
^^^ THIS
Always do your financing before you even look at a car. That way if the dealer can beat it, great, if not, you have the ace in your pocket. And you're not playing the "monthly payment" game where they sell you a car with an 80 month loan. Plus if one report is more favorable than another, often times small banks only pull from one bureau.
My car loan is in the 7-8% range from a CU, and my score was in the 640s when I got it, with a repossession. YMMV but good luck.