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Wife cosigned new car loan. My scores approx 550. 11,000 down financed another 22k or so. Will this help me get into the 600s? I have baddies but nothing recent.
If it's the only installment loan reporting it'll help but don't look for a big jump. Credit mix is a pretty small portion of your overall score.
Yes. Everything else is just credit cards.
sweet. i was also told that its a big step. going from having 500-1000 credit card limits to all of a sudden having a 20 som-thousand dollar loan. That it would help me in the future when i try to get a house instead of going from said credit cards all the way to a house.
Pay off your Credit Cards and see your scores go up