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Valued Member
lost2007
Posts: 49
Registered: ‎05-29-2007
0

Need some pointers!!!!

I'm looking to get and car soon and want to get my scores to get a better rate, over the next couple of months. What is the quickest way to go about doing this and how much of a bump can I expect. I have played with those credit simulators, but they only factor in the long term...
Frequent Contributor
cfstr1
Posts: 436
Registered: ‎06-15-2007
0

Re: Need some pointers!!!!

What mix of credit do you have? What is your CC utilization? Any CO or collections? What are your scores now.

Providing more information will allow people to give advice for your particular situation.

From my experience it is possible to get a car loan with a few derogs on your report. I did in March 07, but it will take hard work and the right person and dealership to help you.
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: Need some pointers!!!!



lost2007 wrote:
I'm looking to get and car soon and want to get my scores to get a better rate, over the next couple of months. What is the quickest way to go about doing this and how much of a bump can I expect. I have played with those credit simulators, but they only factor in the long term...

Read this for a good overview on how to improve your scores.
 
 
Read this for a better understanding of auto-enhanced FICO scoring. Have questions come back and we will try and help you.
 
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1


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