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  I guess my efforts at reducing my debt and transferring balances to 0% cards helped. With my credit score in hand my next step was to secure financing.  Included in my credit score get a free credit report Detroit was a description of how the score was determined as well as what kind of credit I could expect.get a free credit report Detroit   I applied for financing through an online bank and received a check to fill out when the purchase was made.  Due to my credit score my interest rate on the financing was favorable and below the average for a car loan. best credit report I dont know how many of you have purchased a car but you may not know that you arent done negotiating after you have figured out the price of your car-to-be.  Oh no!  You spend your time and effort haggling over the car price with the sales person and maybe the sales manager and get a free credit report Detroit you finally come to an agreeable price and you let out a sigh of relief.  Finally, all I have to do is pay for the car and its mine! my credit   Well at this point the sales person brings you into the office of the finance manager!  Sitting in the managers office, he looks over my forms and tells me I can get get a free credit report Detroit financing for X percent and goes into what I need to sign (its in his interest to give me a loan with as high a rate as possible).   Whoa, I say.  I know my credit score can get get a free credit report Detroit me better financing get a free credit report Detroit I tell the manager (keep in mind I already have financing in place).   The manager get a free credit report Detroit looks at my credit report and tells me I do have a good score and offers me a lower interest rate.  This rate is still higher than my outside financing! free consumer credit report