hi iam new too this forum glad i found it alot good info any help we be great i have fairly new credit still i want too buy a car first time buyer help please!!!!!(oh and also 3 years ago i had 2 charge off accounts with credit cards

Your Age:24
How long have your been on file with the CRA’s? 5years

Credit Scores:600 all three scores were combine or something i checked it with lending tree thats what they gave me

Equifax?
Experian?
TransUnion?

Your Credit:
Rate your OVER ALL credit from 1-10 (10=BEST)6
Rate your installment Credit from 1-10:none
Rate your revolving Credit from 1-10:10

Public Records?no
If yes, please describe:

Auto Loans:no
Do you have an open auto loan?no
How many auto loans are presently open?no
Are you trading in your open auto loan?no
Are there late pays on your CURRENT auto loan?no
If yes, please list the time frame.
Current open auto loan is financed with?none
Current open auto loan payment?none
Estimated amount you may be upside down in this vehicle?none
Rate this open auto loan from 1-10.none

Credit Cards:3
Total number of revolving accounts:3
Percent utilization overall:

Your Info:manger at a sushi resturant
Total Provable MONTHLY GROSS income:3500
Provable via computerized paystubs or what method:yes

Your Downpayment in CASH:2000
Rebates not considered; Trade Equity not considered; cash only.

New or Used Vehicle:used
Please describe desired vehicle:
i am looking for a bmw 2000 323ci or a 2000 benz e320 price range around $18-$21

First time buyers programs require NO derogs on file and solid residential and job time.

I don't believe that kind of program would work in your case.

thanks for the reply yea i had these problems like 3 years ago very low balnce on them but my current credit cards are never late always on time still new 2 years old i have been at my job for 2 years so there is no way of getting any auto loan thanks

I would explore the possiblity of a qualified co-applicant if that's possible.