@Anonymouswrote:
I would suggest trying to get pre-approved through Cap One and get an idea of what rates you are looking at.
Are you sure you have no other negatives? I would think your scores should be a bit higher even with 36% utilization, there may be another issue going on there.
No negatives at all on my reports.....it's all just new credit. I was approved for a car loan. I tried Capital One and was preapproved for an $18500 loan with 14.69%interest, I ended up getting my car loan through GM Financial and ended up with a rate of 13.01%. My insurance company State Farm says that in 6 months, they will see if I can qualify for refinancing through them. This was my first car loan, which I am in my 50's and never had credit until a few years ago....always paid cash for everything. My credit AAoA is only 2 years 3 months. I have a lot of new credit.....my oldest account is almost 4 years old and my newest was 3 months old. I have 47 accounts all in good standing, 44 of them are 2 years or over. And I have 4 accounts that were closed by me. Between inquiries and new credit, that's what is keeping my scores down.....I figure within the next year or so, I should be around the 700 mark if, not better.
