<prompt> Human: My credit score is currently 632. It should be higher, but unfortunately when I moved out of my apartment about 6 months ago, apparently there was a misunderstanding with the power company. I closed my account and everything, and they told me the amount of my final bill, and I asked if it was okay to wait and allow the deposit to take care of it. She said it would be no problem, and that they would send me a check for the difference. Well. I receive a letter from collections saying that I still owe. Ends up there was another bill that she neglected to mention? Well. I had always paid my credit card off fully every month for the past almost year. But anyways. I need a new vehicle that is live-outable. Very very soon. I make 10 an hour currently and work on average 40 hours a week and should make full time soon to guarantee that for the future. I should also make manager within the next 6 months after full time, and my pay will increase to 55k a year after bonuses roughly. In a worst case scenario it will be a year before I become a manager. I am looking at getting a 2007 Honda Odyssey. I love Honda. Mine has treated me well for years now even being 21 years old. The Listed price on it is 12,289 - Though of course I would talk them down. The term for the loan can go from 36-60 months and at the end point the interest rate would increase to 7.85. To be honest I am horrible with budgeting, but if I am not paying for an apartment, then I am not too horribly worried. Mainly I want to know if there is a way to get my credit score fixed. I took care of collections months ago, but I dont know if it has shown on my credit? Honestly I dont know how it works. Im a 22 year old and Ive only had my one credit card for just about a year. Is 7-8 interest rate too high? Should I be able to get a lower interest rate? I dunno. Any feedback would help me.  <response>: I was literally in this position just over 4 years ago jan 2011. Same income. Same loan amount. Same credit score. Same interest rate. Same age 26 now. I took the loan. It was a mistake. I got into a motorcycle accident and was out of work for a couple months. Got behind on payments, used credit cards to make finance payments. Had some other unexpected bills come in to my life. More money on credit cards. Cash flow was terrible. I didnt move up in the job world as quickly as I originally thought I would.It wasnt until this last year and really the last 5-6 months that things have looked up. I make 60k a year now and the loan is on its last payment. But the road here? It was not as smooth as I thought it would be 4 years ago.Get a car for half that price. Thank me in 4 years. 