Here in a few months I plan to pay off 90% of my credit card debt and get a loan for a newer car. Right now according to freecreditreport.com and This Site my credit score is between 610(calculator) and 680(Experian/Trans Union). If I pay off 90% of my credit card it goes up to 755 according to that calculator. I do realize I have to wait 30 days after I pay it off to show up on the report the bank runs for me. Now question.. How hard would it be to acquire an auto loan with a credit rating of 755ish? My oldest loan account was 3 years ago and my gross income after bills is 1200-1400 a month. Any help would be appreciated, I just need to figure out what I can buy now before I go to the bank and it get reported on my records for this 6 months..