UPDATE:
After seeing my CK scores go up, and getting access to my Fico scores I felt like today was the day to go do some car shopping.
As I drove to one dealership, I Called NFCU to see about getting financing thru them....no go.
First dealership:
They came back saying my score was 450, thankfully I have the fico app and showed them my scores, they went back and noticed they made a mistake.
Even after fixing their mistake they came back with a 2008 vehicle semi-high mileage for about 13K. They wanted 3000 down. This was the dealership not the bank. After seeing the car they were offering and the $3000 down I politely declined. I told him I did not have 3000 down and if I did I wouldnt spend it on a 2008 vehicle.
then I drove down the street to carmax:
After walking the lot for 45mins I found a vehicle that was a 2014 with 18k miles price tag $22,000.
Ran the financing and it came back with only one approval which was from westlake (never heard of them).
They wanted $6000 down and still 23%-25%!
So of course I wakled away from that too.
At this point I feel lost. I see so many getting car approvals after a few days of DC, credit cards, etc. All i've gotten so far is a store card for a store I dont even shop at via the SCT.
I am about to research credit builder loans and try to get that under my belt. Other than that I feel overwhelmed and worried that I wont have the success story that many of you have had
