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Before applying for a car loan make sure to print out your credit score report so dealers can not lie to you and tell you that your score is lower than it actually is for a higher APR. Get rid of your previous addresses and other random old information that errors your report. The cleaner the better! Close all inactive accounts and credit cards because they drag down your score. If you want a prime car loan then wait until you can get your score over 680 and always remember it takes 60 days for any new changes to show on your report.