Pay off credit cards and car loan to get a new car loan or just pay off credit cards?

I've had credit for 1 year and 5 months i have 10 inquires and i'm really looking to get a new car loan for 15000 i have a credit score around 640-670. as a debt collector i go with experian and it is 664. knowing that i've also had my new job for 3 months and my own business for 2 years. i make about 36,000 + and my debt is around 7,000. so should i pay everything off and close it out or should i keep my credit cards with the longest amount of time 1 yr and 5 months so i can show i'm making payments i know the 30% rule as well. So i need to know the best way to get an car loan fast. please feel free to email vqlleyballhqttie@aol.com

Public Comments

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8. Pay off both credit cards and car loan. If you can get the new car loan, then will still be able to maintain your credit record. Since you know the 30% rule, you realize the car may have to be purchased by the company since I'm guessing that your gross exceeds 36k. I've bookmarked this site to go back to next time I need a loan... http://www.knowledged.info/go.php?link=auto Good Luck.