So here is my situation...I have a 584 Equifax score, and am looking to finance around 5-6k on a used car with approx. 1,000-1,500 for a down payment. I have good income (6,000+ gross/mn), but only 2 positive credit accounts, a student loan that is in good standing, and my one previous car loan that was paid on time every month from 2000-2003. Currently I have 0 open credit accounts besides the S.L. I have had 4 credit cards charged off, with 3 being paid off after they had been charged off. I also have very short residence and work history, as I just moved to Colorado 6 weeks ago (3.5 years at previous employer). I'm wondering what my best options would be without going from dealership to dealership having them pull my credit report 30 times. I know my interest rate will be high, but I plan on having the loan paid back well before the loan is due to be paid (hopefully 2 years on a 3 year loan). Should I try to apply online before going to a dealership, or just head in and hope something works out?
Thanks in advance,
Greg
