<prompt> Human: I have a credit score of 570. I just got a job that will require a car I can take public transportation in the short-term if I need to. My biggest question, is it smarter to pay off the delinquent accounts to get a better credit score and car loan rate, or to make a larger down payment on the car? I have about 2500 in the bank to spend.The car I buy will likely be around 8000. Last time I bought a car, about 5 years ago, my interest rate was close to 20.I have four past-due accounts:140, 175, 150, 950.Will paying off these accounts improve my credit score enough to get a lower car loan rate, and save money overall? Do you think its worth it to pay any of these accounts off, or perhaps just the smaller ones and leave the 950 for later?Will it take time for paying these bills off to affect my score? My guess is 30 days?Thanks!!Assistant: Id buy a 2000 car in your shoes. Youll get reamed even worse than most used car buyers with that history. Human: Can I really get a car for 2000 that wont cost me another 2000 in 6 months?  <response>: An 8000 car isnt guaranteed not to need a 2000 repair in 6 months either, and if you put 2000 into fixing a 2000 car, youve still saved 4000. 