Hey Everyone!

[cortez2122]

I have a question for anyone who is willing to help me. I am trying to buy a vehicle and my scores are as follows.....Transunion 565, Equifax 531, Experian 521. I have paid off most of my collections and have only 1900 remaining to pay. I am currently paying $ 300 a month on that. Is it possible to get my score around 620 across the board by next October?? Thanks for any help??

[llecs]

I'd wait to finance a car until your scores are well into the 600s. Remember, paying off collections will not help your score. GW the collections you have already paid off to ask for removal.

[wmarat]

http://news.yahoo.com/s/ap/20081006/ap_on_bi_ge/auto_dealers_credit;_ylt=AqLEji2xXlVWplsEozAKY5qyBhI...

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@cortez2122 wrote:
I have a question for anyone who is willing to help me. I am trying to buy a vehicle and my scores are as follows.....Transunion 565, Equifax 531, Experian 521. I have paid off most of my collections and have only 1900 remaining to pay. I am currently paying $ 300 a month on that. Is it possible to get my score around 620 across the board by next October?? Thanks for any help??

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[niecey89]

I got a 30,000 truck with my scores being 550 but that was in January. If I was you I would wait it out and just clean up your credit (get those scores up). With the financial crisis the way it is. Banks and auto lenders are tighting their belts. Also you do not want a dealer to just get you into a car because they are trying to get rid of inventory.

[cortez2122]

thanks for the info. I am tryin to pay off all my debt now so in jan. I can see wether or not I can get a loan.

[cortez2122]

Sorry to ask....not that is any of my business but do you happen to have anything in collections. I have 4 things. I have paid off three of tte items and I am currently making payments on the last item. My CU said if I did that they would be willing to work with me much more then if I did not pay it off. Thanks for any info!

[Anonymous]

A 70 or 80 point jump in a year is very possible.  My scores jumped 29 points in three months simply by paying everything on time.  And of course every negative I have also aged by 90 days.  Pay off that collection and stay current you will make 620 by next October as long as your credit utilization stays low.

[cortez2122]

Thanks bigo! I really appreciate the help! Do you think that will happen even though I have a few collections? All but one are paid off but the final will be paid by Feb. I really am grateful for your help!