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I wanted to report that I was just approved for Tier 1 financing for a new car! When I came here, about a year ago, my scores were mid-500s. Now, they are high 600s and I've paid off virtually all of the CC debt -- just have remaining car loan and student loans. I've had great success with GWs as well.
I was nervous, nervous, nervous about applying, because I haven't applied for any credit or loans in probably two years...and figured I would never qualify for the good rate (a 4.9 percent promotional rate!). But, I did! Yippeee!!!! Thank you for all of the great advice! Good luck to everyone.
Congrats.
A classic demonstration of the benefit of a good FICO score!!
Good job...Congrats!!