I just got my Equifax score and while it's pretty bad--541, I actually was relieved that it wasn't lower--like 300! I need to get a new car very soon. Does anyone know how low of a score Household would deal with. I do plan to have a down payment of about $2000. While I have many negatives, none of them are recent and I do have 3 perfect positive credit lines. One Orchard card (Household) that I've had since June, Another Household card(formerly United Credit National Bank)--I've had since 10/99--perfect history and DMB with perfect history since April of 2000. What are my chances? I'm thinking about calling them tomorrow to ask the how low of a score they would work with.