<prompt> Human: I want to get a new car, one that will last. I got a credit card a few months ago and have been using it for everything, on credit karma my score was 660 for equifax and 0 from transunionI spoke to the loan interviewer at my credit union and he said they use the score from transunion and since I had a 0 score,, my apr would be 12.44. He also said if my score was above 640, my APR would be around 6. Well my score updated yesterday and on credit karma it said I had 678 from equi and 655 from TU. But I talked to another loan interviewer from the same CU and she said my score was still showing up as 0, and that she was sure its up to date.Short of waiting another 3 months, is there a way to get a decent APR?  <response>: 6 isnt a very decent APR anyway...but no, ultimately, while you might be able to sleep your way into the 600s with a few months of credit card payments, they will look at your history and still penalize you for the lack of depth to it. Id ride out a beater for a year or 2 until your credit firms up... Or find a cosigner. 