Hi! I am new to this board and am finding out alot of great information here. I started disputing items on my credit reports 2 months ago. I am awaiting results from my second dispute, but have had quite a few deletions so far. I even had a bankruptcy deleted from Experian. Unfortunatel my score seems to have dropped some points probably due to the fact that my husband has paid the mortgage late the past couple of months. Very hard to clean up your credit when someone else is attached to your credit life!! Anyway, I am desparate need of a new car. I have had to put out too much money the past couple of months repairing the one I have and alot more work needs to be done on it. After doing some searches on auto loans on this site, I am afraid to even go looking for a car. My credit scores currently range 520 to 559. I have talked to my Mother and she will add me as an authorized user on a few of her accounts. I am hoping that will help to improve my score some.
Anyway, my question is this: with such low scores will I be able to get a decent auto loan with a cosigner that has a good credit score? I have been looking at a Honda Pilot and plan to put down $10,000 on it. I am hoping the combination of a cosigner, plus a large down payment will help me. Or should I try to get my credit cleared up some more? I don't want a used car, a car isn't even an option since I have 4 kids. The current van I have I bought as used and just don't want to go there again. In the meantime, I am off to read some more to see exactly how to proceed to get some more items off my report.
Thanks for any help or info you can give me.