The other night I was looking at a 2001 black mustang convertable...V6...otherwise fully loaded...automajic though...I had a pretty decent deal on the table for it...they where gonna gve me almost 6 grand on my focus, which has been unheard of so far...I didnt go for it becuase I really dont like the idea of putting down thousands of dollers just to get my negative equity out the window, but I did see my credit score...it's not terrible, but it definantly should be higher than it is. I have four late payments on my car loan, unfortunatly, since i got it..things happen, ya know? Anyway, they where telling me that if I get a new car loan, and close out this one (pay it off, start a new loan) it will raise my credit score, and the four late payments will not really matter. Is this true? or typical dealer bs? Would I be better off just paying the focus off (of course not being late the rest of the loan) I need to fix my credit problems...what is the best way to do it?