<prompt> Human: I make around 50kyear and have a 800 credit score. Looking at a new Subaru Forester for around 40k. Applied through dealership financing putting 10k down and was denied because apparently I dont get enough loans Ill add specific reasons below. Thatll show me to be fiscally responsible and not splurge myself into debt! Bad consumer! My current car is a 2007 VW GTI, bought used and financed through the Bank of Mom Dad pretty good rates. I have no debts aside from my one credit card I pay off every month. I can easily go back to the Bank of Mom Dad but I would like to build my credit. I intend to bring this up to the dealership to see what they have to say; anything I should say to them? What other options do I have? Have a parent as a co-signer? Any disadvantage from using a credit union? Specific reasons listed for denial: Number or satisfactory tradelines for primary, Insufficient installment tradeliness on primary, Insufficient high auto credit, No history of comparable payment. Key factors that adversely affected your credit score: Too few accounts currently paid as agreed Wtf? I have nothing past due., Lack of recent installment loan information, No recent banknational revolving balances, Lack of recent auto loan informationBecause someone will ask: I want the Forester because I need some utility with my sport and while the GTI is mechanically okaaay when it does break it is very expensive.  <response>: Unless you have a job where you will begin making way more money in the short futuredoctor, lawyer buying a 40K car when youre making 50K is a massive mistake.If you HAVE to have this car, buy one used at least. 