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Looking To get a new car by next spring.

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Looking To get a new car by next spring.

I am only 19 and will be looking to finance my first car. My scores are low 600,609 and 619. As of now i have some credit cards that i am planing on paying off. I am thinking that the only thing i will have at the time of getting the new car will be a personal loan. I hope i can get my credit score in to the high 600's. What i wanted to find out is if and one has ever used Roadloan? And if they are a decent company to work with?

Starting Score: 744
Current Score: 744
Goal Score: 800


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Super Contributor

Re: Looking To get a new car by next spring.

What is your CC util.  You could get a big scoe boost when you pay the balances down bellow 9%.  I would also check with a local CU and see what they could do.  You might be suprised.
10/11/2019: FICO 841 EQ 838 TU 850 EX
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Frequent Contributor

Re: Looking To get a new car by next spring.

I have a total of five cc. I went a little crazy after I got my first card. I have just payed off two cc. The other cc our close to the limits the one with the highest amount is $1400 on my WAMU card. I hope to see my fico go up a couple points when the two that i have payed off show up this month.

Starting Score: 744
Current Score: 744
Goal Score: 800


Take the FICO Fitness Challenge
Message 3 of 4
Regular Contributor

Re: Looking To get a new car by next spring.

crosbyk1 wrote
 
"I have a total of five cc. I went a little crazy after I got my first card. I have just payed off two cc. The other cc our close to the limits the one with the highest amount is $1400 on my WAMU card. I hope to see my fico go up a couple points when the two that i have payed off show up this month".
 
Crosbyk1,
 
If you pay down the balance on you cc to under 9% you will more than likely see a significant jump in your credit scores.

Starting Score: 510
Current Score: 621
Goal Score: 720


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" A man can fail many times but he is not considered a failure until he begins to blame someone for his mistakes"

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