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Help me not mess up again.
Since April 2016 my CK scores have gone from around 476 to now being 637 TU/657 EQ today. I have two collections (Verizon $497 unpaid (settled this month) & dental $1,600 unpaid) I also have 4 accounts in good standing (Fingerhut installment - closed/ Fingerhut revolving $500 CL/ Walmart CC $500 CL/ Open Sky Secured Visa $200 CL - all opened in Oct 2016 & no lates with 25% utilization. I also have a tax lien that will fall off in June. As for income I only made $16,500 in 2016 because I didn't have a vehicle for a period early in the year. I am on track to make around $24k this year since i purchased a beater. 18 year union job. With a better vehicle I'll be around $27-30k

Here's where I'm messing up. In December I stupidly called a dealer about an SUV for $5,500. Told him on the phone about my income. When I went into the dealership he told me to fill out a pre-qualify form on a computer. He then told me to put in $18k income. Which I again stupidly did.

We agreed on $5k with $800 down. He goes off for about 20 minutes comes back and tells me he ran a bunch of applications (12 hard pulls on TU & 8 hard pulls on EQ). He's got me approved at 25% interest...if I can give him $18k proof of income. So after all of that I now have around 16 & 10 hard pulls and no car.

I'm going to try again in June/July when the tax lien falls off.

Can someone please give me some advice on what to expect or what i can do to improve my odds? I only want a loan between $3,500 - $6,000 if that matters. The Verizon bill will be paid off and the dental will still be in collections unfortunately. With $1k down am i still looking at 25% interest?

I've got to have a decent vehicle soon.

Thanks in advance

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