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Got turned down by Household Auto! :-(

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Not sure if they changed the guidelines, but 640 was the magic number you wanted to hit before venturing out for a loan.

Sure, you may be able to get one... but then you run the risk of being stuck with a high APR and possibly limited ways to refi at a lower rate...

I'd suggest continuing to work on your scores and keeping your current credit squeaky clean - the credit will come in time.

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