Experian 600
Credit Sesame 636
Credit Karma 583
I just checked my credit sesame account and it went down 4 points from 640. I found that two new collection accounts were added to my report today and I'm planning on getting a used car loan in the next few weeks. The collection accounts came out of nowhere, honestly. They are medical bills and I thought I had payment arrangement with all my creditor. My daughter has had a few surgeries since she was born and we're still paying off things like anesthesia and hospitals.
Anyway, my income is 40k and I own my home outright. I have purchased 2 vehicles on my credit in the last 7 years, both paid off. One had perfect payment history, the other had a few lates.
My creditors: Capital w/ $0 balance and limit of $200 (6 months old), Chase w $500 balance and limit of $26k (19 years old). I have no other credit on my report, just these two new baddies and one old one that will fall off in September.
Looking to get an auto loan of $18k-$20k.
Could I receive a decent interest rate with the 2 very new baddies?
Also, I didn't receive a dunning letter. Can I dispute the collection and have it removed while I'm apply for the auto loan?
Thank you!
