Established Member
Posts: 42
Registered: ‎01-27-2013
Can I get decent auto financing with old collections and charge offs?

My FICO is 657 and rising. Income of $100K. Been at my job 10 years. Several old COs and collections from 2008.


Do the dealerships look at just the FICO score or do they see the collections and debt ratio, too?


Do you think I'll be approved at a decent rate?


Looking to buy something for $20K new. I have about $800 in monthly debt payments.

Starting Score: 657
Current Score: 657
Goal Score: 725

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