<prompt> Human: the first time I have ever been to a car dealer why was the credit score they pulled up lower than what it is when I check online? also I went to a dealer who basically told me its up to ford not them if I can get financed. If I go to a multi brand dealer would I have a better chance leaving with a vehicle?Assistant: The car dealer is most likely using a credit score made specifically for car dealers, which will put more weight on things like previous car loans. There are tons of different credit score models out there and every creditor will choose the one best for them.But, since we are in rpersonalfinance, if you have such a low credit score, why are you trying to finance a new car? Generally fixing your finances and financing a brand new car do not go together.Human: well right now Im trying to get a better car because with my current one Ill never get out of debt since all the money I could have used to pay debt for the past few months had to go into my car so I can get to work.Assistant: How is financing a more expensive car going to solve you never getting out of debt? What happens when that better car needs repairs?Human: well with what I am paying a month to keep this car running is sometimes more than twice the amount of what a car payment would be.  <response>: So all you need is a better, but still very very cheap car. Most people posting I cant get out of debt stories here have car loans on top of their other debts. It didnt help them. 