Well... here I am after viewing so many posts and other people's situations to compare them to mine, I've decided to finally make an account, after a year or so of browsing 
first I have to say that if I know anything about credit cards, loans, interest and so, is because of this site, so thank you guys so much! 
I actually own a honda accord 2001 for which I have a budget montlhy for repairs 
so is time for me to take my very first car loan.
I won't apply right now cause I have a card with high util (chase fredom 1,124 of 2,000) and I plan to pay 200 montlhy to have it paid off around August, my score right now is 681 (discover TU) , so here's what I'm hoping to have around the end of August:
credit score: in the low 700s
credit cards I currently have: cap one 2300, cap one 651, chase fredom 2000, discover 200.
oldest account open: 1 yr 4 months.
current income: 40k~ ish (overtime varies) I'm 26, I live alone and make around $2600 after taxes.
Amount of loan desired: 15k to 17k
Down payment: 3,000
I'm keeping it short, as I know your time is very valuable.
Any insight, advice, honest opinion will be highly apreciated 
Also, I intend to keep this post updated for anyone in my position who wants to read, as I was in their shoes once reading other people's posts
