Looking for a reputable post bankruptcy auto loan source. please help!?

MElanie asked:

ok, my mind is blown from all of the "post bankruptcy loan" sources online! theres just too many and im not going to run my credit that many times to try and find the best rate, lowering it further, so i need your help... ok, i was discharged from bankruptcy a year ago. since then i have two credit cards for about a year that are NOT maxed and are paid on more than required. however, my credit score is 586. im looking for the lowest possible interest rate, for my credit history( i know im not going to get prime rates). im just looking for a REPUTABLE, known place that will almost guarantee me an auto loan. i want to be one and done. lol does anyone know of a good post bankruptcy auto loan source? thanks!

Reply:

I don't know of any places.
But I do know a little secret that you may not be aware of.
You can bring up your score sharply by paying off those credit cards.
I have achieved 800+ scores just by using cards for things I need and paying in full each month. Like gas and food.
Carrying balances over 30% of your available credit is destroying your rating.
Just letting you know - some people out there actually think that carrying balances is good - for some reason.

 

Finance your car here onsite if you need help buying one of these beauties :)