I am looking into buying a new car late August with $2000 down. I am looking at Saturn- the ION or a VUE. A few questions: What scores do dealerships look at? (Is it like a mortgage where they do a middle score) I have NO debt but a visa I am paying off. Can my husband's income be used but NOT his credit? (his is worse than mine) my FICO scores go from 550-590's and I have one online dispute with TU and need to write the other 2 CRA's. My only concern is my FICO scores...I have no co-signer to help me. Also, what kind of rates am I looking at? I am SO afraid of being denied.

It is likely your scores will change in late August.

The banks/lenders that dealers use have generally expressed a preference as to which bureau they may use based on geographic preferences.

IMO a dealer will normally pull all three bureaus and seek to place the loan with the bank/lender most likely to approve based on only ONE of the bureaus.

I do not believe your husband’s income may be used without also using his credit. In other words IMO, you may not use your husband’s income as an additional source of income.

Your auto-enhanced versions of your FICO scores are normally what is used to either determine the approval and or pricing of your loan.

You can check out the Bank Rate Sticky for an overview of the rates you are likely to be charged.