Alright, I would first like to thank all of you so much for your help! Now I'm going to try to remember all of the questions I was asked. My Transunion score is a 635. I actually went to a privately owned bank to see the rates on paying off my car. The interest rate they told me was 14.10%. Luckily, I don't need the loan. My good old friend cash is getting me out of that one, and I'm glad. I don't want to fully insure that car while a bank owns it. I'm a banquet server at a rather expensive resort in Lake Geneva, Wisconsin. My first job and I gross 2400 a month! I grew up in a town where the average house cost 106k. I make a ridiculous amount of money, to scale that is. My capital one card I have a limit of $300. I was so glad when I found that out. I told the lady I can't get myself in trouble with that, not with what I make. I haven't had any trouble with money. I also have a JB Robinson card, $420 limit. I'm nowhere near that limit! The thing is, I got the Capital One card, literally a day after I started my job, so I had no reported income. The JB Robinson card I aqcuired 6 months after I got the job so they were a bit more generous. I'm working every month to get those balances down to 10% of my limit. (I absolutely love these forums, I have learned so much already!) Because I make as much as I do, I'm paying down the car before it leaves the dealership, (Small, private dealership, and a car that should not be driven in the winter, so it works very well!) and I'm attacking those credit card balances. I can't wait to see what my credit looks like on my 19th birthday. Oh yeah, my dad's a big help. He bought a pizza franchise in Chicago in 1971. It was actually his 30th birthday present to himself. He has some accounts that date back that far. He's a big help in all of this. He has warned me so much about the trouble some people find themselves in with credit cards.
