How long ??

[mk]

How long does your credit score have to be up in order to get a car loan ?? Would like to getr a auto loan right now this is my scores - Tu 643, Eq 611 - this is up from 595 in 10 days - yeah !!!, Ex 638.

I know that these scores are not the best and my current auto will last thru the winter but would need to put some $$$ into it first.  Any one have any ideas what kind of intrest rate we may get ? The last medical collection is 10 months old and all are paid.  it s the CC that kill us.  But time will have them paid off.  So what do you think ???? Shoud I try it or wait ??

[goose3500]

I believe they just check the day you authorize them to pull your credit.  i currently have a car that need some major repairs and will not make it this winter.  My EQ is 600 and I hoping to get a interest rate below 10 percent, I will pull my EQ around October 10 when my credit cards both report zero balance and then I will have an EQ score around 630. I am going to get financed through NavyFed CU, I suggest you get finance through your local CU also for a decent rate.  If you get finance through any other financial institution they will likely put you at apr over 10 percent. CU mostly check EQ, financial institutions could check any of the Big Three. Check you FICO simulator to what will happen if you pay down you cc balances and then i would apply.