<prompt> Human: CreditKarma says score of 560, CreditSesame and FCR say 680-720. Why are my scores differing so much and is there a credit card I can get? Also I am wanting to spend around 17.5k on a used car... Me and my SO make 2000 combined and I plan on getting a job within the next week so then it will be about 3800m.. What kind of payments and interest rates will I be looking at.  <response>: Good Lord! Do not spend almost your entire annual income on a car! Thats a terrific way to be broke for years. 