@jimc wrote:
i have 3 credit cards and they are almost maxed how points can that be? also can anybody go to a credit union for a auto loan? i was told the intrest rate is lower than going to a dealer?
Utilization is 30% of your FICO score. That is a lot of points.
You have to be a member of a credit union to get a auto loan.
Car dealers often get a cut of the loan so going directly to the lender may be better. Better to ask this question on the auto loan forum.
