it's so bad I get denied from USAA for a autoloan, and I'm in the military. My score is 580 right now, this is the run down. Appreantly I was 90/180 days late on my two college loans that I didn't acknowledge mainly because I was deployed. They said I got denied because of my debt, late payments or deliquices, and my public record(paid off early of 2013). I only have two credit cards just recently paid off one my $500 credit card. I don't want to grow old, not be able to get what I want not enjoying life because of a damn score that burdens my life.
college loan 1 1225
ccollege loan 2 2611.84
credit card 1088
I need a vehicle especially with work, but it's hard for me to get financing for it even from local credit unions. At this point I no choice of getting one of those 'bad credit' loans with 16% or so interest, then refinance it later. Shoud I take out a other credit card maybe for gas, something small you know making payments on that too? I just want to know should I keep up with montly payments or is it better paying off the debt completly?
