<prompt> Human: Hi guys, so this is likely going to be a dumb question but finding a clear answer on Google is proving to be difficult. Heres my situation:I have poor credit due to 2 medical bills now in collections. They are 2 years old; they went to collections because I was 19 and dumb and now I know better. Im planning on contacting the agencies to negotiate a pay for delete, but theres no guarantee that the agencies will allow me to do that. Plus Im not sure if paying hundreds of dollars like 900 is going to be worth it if it doesnt raise my score by much; my score is around 560 last I checked and Ive heard that scrubbed collection accounts only might raise it by 20 or 30 points. Of course I may have just been reading bad information.Other than that, I pay my bills on time and I am about to pay off a car loan. My grandmother had to cosign for me in order for me to be approved for the loan. I have been paying it for over three years now and I have never missed a payment or paid any less than the agreed amount. I will be aiming to finance another car once my current loan is paid off, and I really dont want to have to ask my grandmother to once again cosign for me. Is my history regarding my loan payments going to help at all when I need to finance another car? Please forgive me if Ive used incorrect lingo in this post; Im obviously a bit of a dummy when it comes to finance. Any comments will be appreciated.  <response>: Why do you need another car? What is wrong with the car you are about to finish paying off? 