<prompt> Human: 3 years ago, I had a credit score of 560 and bought a used Scion xB with a 13.9 interest rate. Terrible decision. Its currently 2-3k underwater. Now, Im 3 years older, am making about triple the income and want to upgrade to something more sophisticated. Im looking to buy a new car around 30k. My current credit score is 659. It is impacted because of a higher credit utilization. I just made payments to get my CU below 25. CK projects it will increase my score to roughly 725. Ive had no collections since 2008 and 100 on time payments for the last 4 years that Ive had open credit cards. So... If CK is wrong and I dont get into the 700s... What would my rates look like? Is 2-3k underwater crazy bad or is this relatively normal?  <response>: Youre essentially asking others to approve your wanting to take on more debt while youre underwater as it is. If youre making as much as you claim, try to refinance your current loan and pay off the extra. If youre insistent on getting a new car, take care if your current commitment first, otherwise youre staring underwater in the new car. However, be careful of lifestyle inflation. It wrecks cash flow. 