Will I Get Dealer Financing...? I am looking to buy a 2007 Chevrolet Monte Carlo SS ($22,852.00).

I am looking to buy a 2007 Chevrolet Monte Carlo SS ($22,852.00). I have a couple question... I pulled my credit and have positive accounts next to over 1 yr 8 mnths of payment history adjectives have be paid 100% prompt except for 1 account which go 90 days late in the region of 3-4 months ago. I have 3 that are surrounded by collections

1 will be off sometime this month,

1 surrounded by Sept.

and the last within 2011 (which I'll be paying off) all of them are below $250.00 each.

I also hold 1 judgement which will be off my copy in Sept. 07.

I currently hold 8 positives on my credit report, 4 are unfortunatly have dignified balances at the moment.

I hold FICO scores of:

573 Experian
546 Equifax
583 TranUnion

567-568 average

I own been employeed at like peas in a pod job for over 1 year 3 months and I am looking to trade my 1995 Lincoln Town Car that I own now. Don't enjoy really any money saved for a currency down payment.. Will the trade contained by of the 1995 Lincoln be enough??

Answers:
Hi I am not contained by finance, but we have the same problem a couple years ago. I get pregnant with child #3 and I had a Neon. My husband's first thought be to sell the remunerated off Neon to back with a down reward for a bigger car. His credit score were simply like yours. He have little credit experience. We found a 2005 Chevy Impala for 12,000. We had 4,000 for a down pay and still had to foot a 18% interest rate. At the time we had no choice but to buy. We get the car for below Kelly Book value so presently it is worth more a little more than we owe. Now near higher score, we are going to buy a house with contained by the next 2 months, so we can't refinance very soon. I would really like to bring rid of that 18%. My advice is to preserve looking for the best rate. Explain everything before a credit check. That is what we hold been doing beside out house. So far rates are good. As far as the judgement, linger until it is off. Even if it is rewarded and is still on your report as unpaid it will hurt your scores. Trust me. We have one from 2003 that was salaried in full within Feb of 2005. It is still on there. We own proof, but it is still hurting us. Good luck