<prompt> Human: I bought a new almost car in January, and financed it. My credit score was decent at the time and I financed the car for 72 months dumb, yes. I figured I could handle the payment, but I likely cant, and to boot Ive grown to hate the car. Id like to trade it in for something more affordable that gets better mileage and is easier to drive, but Im currently short on cash and my credit score was nuked by the multiple pulls on my credit 560 now. Do I have any options, or am I stuck for the time being? EDIT: its a 2016 4Runner. I paid 32, with 4500 down, blue book trade in is 27500Assistant: Your credit wasnt nuked by the multiple pulls, it sounds like it wasnt very good already and the one pull all those auto pulls are grouped into one, just like when shopping for a mortgage and the new debt on your account drew it down. You really dont have any options right now if you cant sell it for more than the loan value. Human: There are 9 pulls listed on credit karma that werent there before, and my score dropped roughly 70 points Assistant: Yeah you see 9 but scorewise its just 1. Your credit really was not strong to begin with, a 610 is not very good. You got a bad rate because of that. Id do what you can to sell it and come out even. Human: Weird. I didnt know thats how it worked, and credit karma isnt too helpful with explaining it. Thanks for the eli5  <response>: The downvotes arent fair. Credit Karma treats some things more harshly than your actual FICO score will.Specifically, they count multiple simultaneous pulls individually, and they calculate utilization on individual accounts rather than looking at your total utilization across your total available credit. Edit - fare fair. Also, why the hell are you downvoting me now? 