Bad credit and building good credit with a credit union

[troybliss]

got a question, if you have a low credit score, repo, etc. on your credit report, but build up a good credit history with a credit union over a year, would it be hard to get that credit union to give you a car loan?

[Trish]

Hmm....that's hard to say. It really depends on the credit union and what their lending criteria is. You may be able to find out by asking them... maybe ask if they go off of scores or if they look at your CRs manually and what their lenders like to see or what they frown upon. It can make a big difference.