Hello I am new to the community also young 19 years old and trying to figure out how I can increase my credit score so I can get approved for a new car. I recently went out and have had 3 credit pulls from different car dealers. The paper work they receive puts my credit score around 580-595, but when I check online at freecreditreport.com etc. it says my equifax score is at 605. I also have two loans and 2 credit cards out at the moment. Both my credit cards are low limits under $1000 and I have about 55% of one used and 35% of the other use. And I have a 10k current car loan and a $5k personal loan. I have never missed a payment on anything. I am about to just pay off the personal loan in the next week which has a remaining balance of $900, this would make the 3yr loan term paid off in 1 year. I am trying to get the new car here soon in the next month. I am wondering if I pay off this one personal loan will it increase my chances of getting approved for the new car loan. The new loan that I am asking for is about 22k for a 6 year term. I really want to do this on my own and not have a co-signer, and also I dont want to wait almost 6 months just for my score to go up to get approved. Is there anything I could do, besides getting the other credit card to 35% which wont be to hard. Also my Job situation is very good for my age and the monthly payment of what the new loan would be is only 1/8th of my monthly salary. So that is very easy for me to afford. So if anyone could at all would be greatly appreciated.