When I began my credit obsession at the beginning of this year, I had been cancelled by Citibank, Discover and GTE Visa. All of the cards, at the time I carried balances on. I had 13 total lates with the last being roughly one year ago. In addition, I also had an account that went to colelction 5/00, which I paid in full 6/00. Since January, I have paid all balances of the (charged off) cards. Additionally, I opened at CAPOne account 1/00 with a very small limit (PIF every month), Aria Visa, opened 3/00 which I charge and make 3 payments on monthly, as well as three store cards. Right now, I believe I have all the credit I need. In March, I signed up with Lexington to help correct some past problems and after round 1 disputes I lifted my score 35 points (From 495 12/99 - 647 6/01). I have 14000 in student loans, all bills have been on time since May 2000. My question is: Should I consider buying a car now....or wait until next Spring once I am completely done with Lexington (and have a better credit score)? Do you think my chances at getting a better rate will increase so over the next 9mo-1 year that I will be able to get a much better rate like under 10.5? Thanks for your help!