I have just finished paying off about $20,000 worth of bad debt from being self employed. My credit was trashed badly. I have about 12 collections that I did settle with and pay off. I have been working to rebuild my credit for the past 2 years. I only have 1 revolving account now.
I want to buy a new truck. I pulled my scores from all 3 and they are:
Experian 619
Equifax 601
TransUnion 615
Should I try to find some sort of financing myself or will I get a decent loan from a dealer? I am looking to spend around $22,000 and can make payments of around $700 per month.