Hi Everyone!
I've been working hard on improving my credit health since the begginning of the year in preparation of purchasing a new or used car. Can anyone share their experience or knowledge with me as far as the best time of the year to get the best deals and interest rates on a new or used car?
Also, I live in Texas....any recommendations on lenders I should seek financing from based on my current FICO scores?
Thank you in advance for sharing!! 
Starting Score: 07/17/11 EQ FICO 616 TU FICO 619 
I tend to lean towards the best time is during the release of the next years cars if you are interest in a new car that is already almost a year old... except you missed that... so next best thing is usually the last day of the month but really these days I'm not sure how much better of a deal you can get (you are either good at negotiating or your not... just check kkb.com and they will tell you the sticker and what the dealer paid and what you could expect to pay, it's pretty accurate based on my experience of helping my parents by a new car last month.
Also what kind of car are you looking for, basically everyone is currently offering specials, it's just getting them to give you that rate if you are borderline.
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