Mifune,
Thanks for your response as well! I understand completely what you are saying. This whole financing process seems a bit backwards to me. When my credit was completely terrible and I had student loans ($20,000) I was able to get this car financed throught the credit union. Granted, this is not my first vehicle as I have purchased two vehicles and paid them off. One, a 1998 toyota camry that I purchased brand new and still drive to this day. Another, a 1999 toyota solara that I purchased brand new as well and used as a trade in when I got my car in 2008. Now that I have worked so hard to get my scores up, it just seems like its even harder. As far as my salary is concerned, I expect that to increase once I finish with school. I do have credit cards but they are all reporting a zero balance and I use them every so often to keep them active and then pay off immediately. Besides the student loans and my car note....I really don't have much debt. I do have the usual bills that people pay monthly light bill, cell phone, and etc. I don't have a mortgage payment because when I went through my divorce my ex and I were able to sell our home up state and when I relocated down here I was able to fully purchase my house that I am living in now. I have decided to go ahead and take care of the remaining collections that are on my report. Yes, I did post in Comic Sans. Also, if I don't get the car refinanced then its not a problem I can completely afford the car I just thought that since I worked so hard to improve my scores I would look into refinancing for a better interest rate. (so i thought)!
