Well, I got a car loan at 3.9% after putting $8,000 down. They said I had zero credit history, which is partially true. I happened upon this board about a year ago and cleaned up my reports. So to the newbies, it can be done; I had three charge-offs. Anyway, I got the loan last week. How long before it shows up on my reports? And, what's a good card to apply for once it does show up? I know the target card was the one everyone got for a while. Thanks in advance.
