<prompt> Human: Household pulls in about 150k but our credit is bad- very bad, 520 or so.Its been five years since we walked away from credit card debt at a time when our income was much worse. Weve applied for a loan and been denied. We could buy a 15k car, but we would like to start rebuilding credit with a loan. Even if it was for 15k car with all the money in escrowretainer or some such thing.Is this possible? Am I thinking straight?  <response>: Dont know why youd want a loan if you have 15,000 liquid. To rebuild credit, get a secured credit card. 