<prompt> Human: Last month I paid off about 7 collections that have been haunting me since I was in my early 20s. Ive been wanting to buy a newnewer used car for awhile now because Im tired of driving beaters. My car that I was using just broke down last week. I was planning on waiting until the second or third week of July to apply so that it would give time for the collections to show as paid and give me some extra money for my down payment used everything I saved for the collections. Would I be able to apply for a loan with little to no down payment or should I wait two pay checks to save up for the down payment? And if the collection isnt showing as paid on my credit report, its there anything I can do to show I have paid everything off in full?  <response>: 1. Do not buy a new car. Forget your interest rate, its not a sound financial decision. Drive the beater or take the bus.2. Sign up for a credit monitoring service. Aggressively advocate for yourself. There are a plethora of resources on how to get dings off of your credit report.3. Appreciate how nice it feels to not have collections bills. And then think about how shitty it would be to have them again.4. Focus on building a solid credit history for the future.Good luck OP, and start saving. You got this! 