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I apologize if this information is easily found, however I have been parusing for about a half hour and can't find it. Any help is appreciated. I have noticed credit apps being posted, assuming someone is reviewing and responding with an overview of possiblities? I could be totally wrong with what I think :-) My situation: Am looking to replace my car in April at the latest. I have been spending the last couple of months rebuilding my credit, seems I have little to none. I have a bk from 2007, a tax lien (from divorce) paid off and cleared in 09. My house from 09 shows paid off/settled (short sale). I have a car payment (title loan) on time three months. I have college loans in good standing, no payments due at this time (no history) Experian is 618. I have some little bills i can pay off but not sure if it will make a difference. I honeslty don't want to wait until April to get a car, but I am using that as my target date as my current full time employment (government contractor) will be one year in April and if I pay off the little collections it will take that long to be removed, or show paid most likely. I have 10 years licensed in Real Estate, other financial/accounting customers I've had for years, have good income. Any direction or insight would be helpful rather than going from dealership to dealership. I know my credit isn't perfect, but honestly compared to a year ago during divorce it is pretty good.