My husband and I hit a rough spot in 2009. We have been back on track for the last year but we all know It's much easier to bring a credit score down and much harder to get those points back up. We really need a minivan and are beginning to consult an attorney for credit repair. At first we were considering buying a car cash, something like a 2009 Chrysler town and country, but I don't want to dip into our savings like that and would much rather put down maybe 6 or 7 thousand dollars and keep the rest of the money for an emergency...This is really stressing me out...Has anyone had any experience with this and if so what route did you take? What was the outcome?