Okay, Im sure this topic has been overposted but I'd like to ask your thoughts anyway...
My scores are around 615 with all 3 bureaus and Im looking to get a used car loan for a 2012 F150 Crew (around $22k-$26k) since there are some good deals right now.
Baddies:
2 medical bills for $1000 total in collections from 2009
1 time warner account in collections for $690 from 2010
1 charged off bank account for $50 from 2008
5 recent inquiries
Good:
1 HSBC unsecured card $300CL/$40BAL 6 months old
Started with a 505 score 4 months ago, so I feel like Im doing pretty darn good so far...
With the info above, what are my chances of getting approved? Im trying not to put a ton of money down and also Im wanting to use a creditor that WONT pull equifax since thats my worst credit file. I dont care about the intrest rate too much since I plan of refinancing in a few months as my credit continues to improve.
Thanks so much!
Starting Score: 467 Equifax - 507 Transunion - 510 Experian (all on 07/2012) 