I have had some success with pay for deletes and negotiations and have raised my score over 100 points the last year.  I am currenlty at 660 and 640 and only have a student loan reporting 9 months, a secured card $500 reporting for just over a year and antoher cap one un secured reporting for 4 months.  All CC's have no balance.  3 positive trade lines 

I also have some late payments that Icant get removed from over three years ago and two paid collecitons that I cannot get removed and one charge off.  

My questions is, I am in the market for a new vehicle, will this loan help my score or hurt it in the first six months? Any other suggestions? 

Thanks you