Ok bro i am 20 and i got a score of 705-703-696 now the problem is they want to c that u got some come kind of credit like a card are a loan they dont want u to max the card out just have the account open,I am trying to get a s2k are a rsx right now so i am having the same problem.

I say let your mom co-sign for u cause it will get your score up high faster and the will c that it is a big loan and that u are responsible with it,As for the loan when u look on KBB u want to look at the trade in value cause thats what 85% of them will loan u on it.

Oh and by the way my score went from 590 to a 705 in just 6 months from having a bike loan open for 5k,With a co signer