ANSWERS: 2
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How? Pay your bills on time, clean up any derogatory credit on your credit history, and live within your means. THEN and only then will you qualify for those "great rates". Until then, you will pay dearly for your indiscretions. ;-)
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Sounds like you would benefit from saving your money and buying a car with cash. Or if you have decent credit go through your bank. I am a SS specialist and 36k is a great deal coming from SSDI. I'm sure it still hurts when you use to make twice that.
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