Without suffering through the boring details here is the deal. I have a lease, it ends March 31. I had worked up my bad credit to a 663 (yes I know, nothing to write home about, but better than a 550 or 590 a year ago). I had a slip up in December and Jan and here it is Feb (where I'm clean again).
My Credit shows December's slip dropped me from a 663 to a 609 (for being 60 days late on Student Loans)... Jan will most likely be reporting 90 days.... and Feb will show me as okay.
Problem is, I pulled a few times now and it still only shows Dec. So when Jan comes in, my score is bound to drop again right when I need to get a loan for a new car. The good standing will show up after the time has passed...
So what can I and should I do? Start getting a loan together now so I know that I will have something based on the 609 or get one later hoping that the Jan never shows up as Derogatory and my score raises a bit?
Waiting for Feb to clear my credit report looks to be impossible with the lease end deadline (and yes I am not going back for another lease).
Thank you for your input.
