So I decided to pull my credit report today from annualcreditreport.com, the one where you get it free once a year. So yeah, my credit.....not good. I was so disappointed, because I'm trying to get a loan for another car (my last car was stolen!). I think all of these agencies like Equifax, Transunion, and Experian are so bogus!!! I wish this would change; I have to get a shitty interest rate just because this company collects my personal information, even though I didn't even give them consent. SO bogus. oh well.