!. I would get a copy of your credit for both and know what is your credit score. 2. work on paying off what you can. 3. Write letters to the 3 credit bureaus to explain any late or deliquent accounts they only have 30 days to review and investigate if they dont have time if they dont get a resond by law they have to delete it from your credit and your score goes up. 4. You dont need to pay anyone to get your credit fix. I did it and I was able to improve my dh credit score with in 3-4 mos and he ended up having a better score than me. If you have more than 4 credit cards I say close 2 cards that will improve your credit score. Again, you don't need to pay anyone to do this for you, you can do this. The ones that are hard to delete from your credit are bankruptcy, child support payments and collection agencies. I think you should look into something used like a 2006-08 if you say your credit is bad and put $5-7000 down. We have good credit in 2008 we bought a 2006 Dodge Grand Caravan for $15,000 finance rate 5.5% through my credit union and put $5,000 down and finance $10,000 my payments where $250 I pulled out of the credit union with in 6mos and transfer that into a credit card with apr 1.99% for the life of the loan my payments keep going down I pay credit card $137.00 a month I still owe $6,000 instead of $250 for 3 years. You also have to consider that you have a baby on the way if you can afford it right now go for it if not wait it out until your more financially stable. I wish I can expand my house get a loan to move the girls into a bigger room I have the sun room but its going to cost $$ electrical is in, dry wall and cement. I need construction, roof and new windows. But now with a baby on the way there's no way. Im currently off work and living off dh paycheck for the moment. GL.
Due October 21st. No swaying. Thank God!