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speedyang wrote:I am just wondering how much the difference would be.. My credit score right now is 645, bad history but paying as agreed now. Had a repossession 2006, but paid the charged off amount. With the repossession on my history would that make my Auto enhanced score be very low?I am thinking of getting a new auto loan in the next 2 weeks hopefully on the 4th of July.. but Im scared that I will just be turned down by the dealer because of my history despite good and up-to date payments now..