mattzzg1

The newer the car is the lower rate you'll get from a bank. Other than that, do it when your score is the highest. Rates aren't seasonal so don't focus on the time of year, with the exceptoin of paying in fall/winter when new models are coming out and dealers are offering 0%.

So much of our credit score is made up of payment history so not have a payment to make can actually keep your score where it's at or even possibly lower it. Also keep in mind to have the best score you want to have a good variety of credit (installment, revolving, mortgage). If you don't like credit cards, open a card at a store you know you'll never buy anything from.

State Farm Bank starts at 6.19% on bikes. It really depends on the year/term/credit score.

I would wait a bit longer until your score is over 650 to try getting a lower rate. Also, the longer you pay towards your loan the higher your score will get.

You could call VW and ask them to update it or contact the CR agencies directly and dispute the balance.

It will be basically impossible right now. Your local bank or credit union would be the best place to check. Rate will be in the 20%s. You may have to use a buy-here pay-here place, make sure they use an actual bank and report so you will improve your score.

get a free copy of your CR from www.annualcreditreport.com, it will list what collections you have and will also give you contact info for the company that you owe.

Best thing to do is to dispute it and let the court show proof to the CR agencies. If it really is only two cases then the rest will be removed.

More than likely you won't. If you don't mind the extremely high interest rates and you have collateral you may try a title loan compnay that won't care about your credit score.

Luckily, you must give permission for them to check your credit report, so a simple "no" should work. However, they also have the same right to tell you "no" about the job offer. The best thing to do is to let them look at it and explain your situation. In most cases, employers are looking at your credit to see if you are a risk to them, especially if you handle money for the company. In simple terms, someone who has a history of not keeping their credit promises may do the same on the job. Or someone who is maxed out credit wise may be more prone to steal than someone who doesn't over extend themselves.

The best way to start would be to contact the creditor to see if they will accept a settlement offer to remove it from your credit. If it is charged off it may be too late and already sold to one or more collection companies. Also, disputing it on your CR will either make it go away or wake up the bank to try to collect $$ again.

If you have relatives that will add you as "authorized user" on a credit card that they have had for a long time with a low balance that will help the quickest. Otherwise, get credit where you can and pay your balance in full on a monthly basis. Best Buy and Target are both easier cards to get.

Depends on why your score is falling. Paying down your credit card balances and making sure that your credit payments never get 30+ days past due.