I've had credit for 1 year and 5 months i have 10 inquires and i'm really looking to get a new auto loan for 15000 i have a credit score around 640-670. as a debt collector i go with experian and it is 664. knowing that i've also had my new job for 3 months and my own business for 2 years. i make about 36,000 + and my debt is around 7,000. so should i pay everything off and close it out or should i keep my credit cards with the longest amount of time 1 yr and 5 months so i can show i'm making payments i know the 30% rule as well. So i need to know the best way to get an auto loan fast! please feel free to email
Why the haste to get a new auto? getting you further into debt! Pay off your old bills first and get your finances on an even keel before plunging more debt! have a good day.
Why so many inquiries on your report? and why the need for a new auto worth 15,000+? with a score that low, you need to pay off your existing debt first before getting further into it. Leave 2-3 revolving credit lines open (oldest ones) and pay down the balances to nearly nothing or off completely. then don't use them. If you try to get a loan right now, you may be turned down, need a co-signer or get really bad interest rates.
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