I somewhat recently got my very first auto loan and just this week my car was totaled in an accident. The accident was completely the other drivers fault, who ran a stop sign and hit the back portion of my car send my car spinning into a few parked cars. Thankfully everyone involved was okay. I've never made a late payment between my revolving credit accounts and my one auto loan. I have only 2 inquiries in the past 2 years on my report. One being the auto loan last April and the other being my cell phone carrier, which initially approved me for 10 lines. The car was being leased for about 11 months and was always paid on time. However, my revolving credit has my score at a 645 due to a couple hardships the past two months. My question is how hard will it be to get another auto loan (previously paying $280 for a Toyota Camry) being that my score isn't a 700+ like it was when I first applied. My credit card utilizations are the only thing keeping my score from being a 730+ (According to MyFICO) and I'm hoping to take care of that soon, but in the meantime I'm wondering if I'll be able to get another car to replace my lease.
