On a related note, I did AutoTraders "guaranteed buy/trade" program.  Good news is that it gave me a certificate to bring a get 5.3k at a couple of local dealerships, cash, regardless of whether I buy there.  The bad news is I didn't realize it was forwarding my info to those dealerships and I got a barage of emails and at least one phone call, haha. 

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800