Quote Originally Posted by ahawkins View Post
I have a year of my car payment from when I first got financed for my car which shows that it was never late and paid off when I refinanced through az fed.

I have my loan through Az fed that I was late on 3 times back in 07 but thats it, been on time ever since then.

I have a zales card that ive bought a couple things on and paid them right off so it shows that I have no late payment.

Only bad thing was my Wells Fargo card that I had a couple years ago that eventually got written off, went to collections and I just now paid it off so it should say Paid in full when its reported to the bureau. Other than those thats all thats on my credit.
Well plain and simple it is going to take time to improve your score. If you did get a loan now it would be at a higher rate which costs you and in the long run.