Yup , and the fact that it is getting so many upvotes is blatantly obvious TD is activly raiding <| sep |> Yeah , I don ' t soak the carpet or anything , just a squirt or two that dries up quickly <| sep |> Don ' t feel bad me too this is the only day I ' ve been able to see other comments at all actually lol it ' s weird <| sep |> if your score is 514 it means you almost certainly have past due bills in collection . I have never seen someone without account in collection with a score below 600 . Your credit score is extremely bad and you should not even consider getting a car loan until you repair it . The rates you will get will be near 20 %, to put that in perspective someone with 700 score will get car loan for 2 % or even 0 %