@llecs wrote:
Welcome to the forums!
I'd suggest reading the following:
. . . (see above)
100,000 miles is a relatively young car. I'd keep paying the balance on the car, or even accelerate payments just to be done with it. Last cars I purchased were in 2001 and 2003. The 2001 only has 100,000 miles and runs like-new. The 2003 doesn't, but I'm pushing 200,000 and I think I can squeeze 100,000 more if I drive locally. Certainly every car is different, but if you have a car note, then it's somewhat new and with regular maintenence, you can hit 200,000 and beyond quite easily without forking big $$$$.
All of llecs post is important, but I wanted to highlight the above part of his post ^^^ regarding car milage.
100,000 is not a lot of miles in today's vehicles. If you take the time to maintain your car, you should be able to get to 200,000 miles pretty easily.
You have had it tough over these years, don't make it more difficult by putting unnecessary pressure to get a newer vehicle when you can use the one you have already.
If you look at the links Ilecs put up, you can learn all about your credit and how to fix it yourself. This is one of those instances where fixing it yourself is much better than leaving it in someone else's hands to complete. It may seem like a lot, but just take one thing at a time. Read the success story's here to gain confidence. Then, when you do eventually need a new vehicle you and your husband will be prepared with a much better score AND a better understanding of your credit and finances. Good luck.
