<prompt> Human: Hi allIm in the market to finance a used car. For about 13k. Im putting 3500 down. My score is currently a 667 according to myfico. However I just paid off a few thousand in cc debt which should bring my score up considerably, maybe put me in the low 700 range if not very close. Will this new credit score really help my interest rate all that much. I plan to finance for 24 or 36 months if that makes a difference. Ill be financing about 9500-10,000 Should I just go ahead and apply now or wait for my score to update in 30 days  <response>: Id wait. The difference in rates between 650 and 700 is significant. 