When to pull the trigger and start applying for the best rate?

[Stevielynx]

My ficos are 720-750. The auto ficos are 692-740. I know which CB my potential lender pulls from.

But my scores are fluctuating 15-20 points down and up due to recent approvals for credit cards.

What is the "safe zone" score to apply for the best rates?

[Anonymous]

There is no safe zone.  Based on the scores you posted, you should be able to get the best rates for an auto loan.