Poor credit a few late payments excellent job can I possibly get the car that I want with good payments?
I'm driving a basic Honda I'm like 11,000 in but I want a new car. The amount
of my car payment I should be able to drive a better car that I'm driving I have
a great job but because I started a new job last year my pay period
changedso it caused an issue with my rent and other bills which made a few
payments late just want to see what my options are
You can, I would try a finance company, credit unions, see what the Dealer of the car you want to buy has to offer.
It will take time to clean up your credit. Drive what you have now and make all the payments on time and your credit will slowly get better.
If your car payments weren't more than 30 days late, there should be no issues on your credit history for them, as banks will only begin reporting delinquencies after 30 days. You can now get a free copy of your credit report with most banks or credit card companies. If the late payments are showing on your auto loan, 6-9 months of on time payments from your last reported late payment should be enough time to re-establish your ability to make your loan payments and boost your score. Local Credit Unions are a great place to start. If you have a higher interest rate on your current loan, refinancing is an option that can help to lower your payments & boost your credit score. DCU offers refinance and pre-approvals online and can help give you an idea of what you could qualify for.
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