A secured card would help if you have 6 months to garden it. If you don't, the new inquiry and account will hurt your score, which in turn, hurts the approval odds of getting a auto loan.
If you can wait 6 months for the car after obtaining the secured card, that would be best. If your score is at least 620-650, getting a car now won't hurt as much.
If you can wait 6 months for the car after obtaining the secured card, that would be best. If your score is at least 620-650, getting a car now won't hurt as much.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
That was what I thought. I don't have that long to wait. 
I'm hoping the cra will play in my favor with these medical collections. Hopefully if they get deleted I get a nice increase.