New Member
Posts: 5
Registered: ‎11-10-2012
Re: Thin credit history and auto loans
Yeah but I don't have many credit unions in my area. And the ones I have gone to have denied me. :/
I'm not sure what you mean about baddies. I don't have any negative marks if that's what u mean. 100% on time payments and no collection accounts. I have 2 accounts both credit cards (cap1). I was told that I NEED to have a large account (such as a car loan) to REALLY improve my credit. So with all my 18% apr offers the guy told me I need to "take the plunge" if I want a better rate. But he WAS a car salesman at the dealership so I'm having a hard time accepting the validity of his claim. Can anyone back this up?

Starting Score: EQ 655 TU 622
Current Score: EQ 672 TU 650
Goal Score: 700+ ATB

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