I have been finally approved by AHF!
The reason i even began my credit journey was to purchase my first car.
But, i will admit, i have become fascinated by the information and guidance
i have received here on managing my credit profile, and finances.
So i will continue to garden and grow a strong thick profile that could eventually lead my into a bigger picture.
With a credit history of 6 Months and a previous score of 713 ( Now 690 ) i was approved
for a loan with an 8% interest rate.
For anybody wondering.. the vechicle HAD TO BE PRE CERTIFIED USED!
The long answer to the reasoning is the bank is buying more into the vehichle than they are you.
I hope that after 6 months of on time payments, maybe an institution that previously denied me... will offer me a great refinance rate 
I did go shopping and did exchange some sensitive information.. so now one of the next things i would like to do is
protect my information, credit, and ID.
Does anybody recommend a freeze? I really do not plan on doing any more credit for now.
Just got an auto TL and a Cap One CC
Thanks