<prompt> Human: I recently started my career in nursing early April of this year. I want to get financed for a cheap car and start building credit. As of right now my credit score is 550 Experian and 586 Truecredit. I have two collections on my credit- one from Comcast from 2012 and one from PGE from 2011 totalling in 700. I have 3k cash in the bank and bring home 4k each month no bills of any kind atm.Ive been to two dealers that say they dont know any bank that will touch me after they ran my credit tried to get approved for a 10k loan with 3500 down.I want a car, and I want to be financed for a cr for the credit boost after its paid.What am I supposed to do? I can afford a car payment NO PROBLEM but banks wont give me a chance?  <response>: Id buy a cheap car in cash, and if you want to build your credit get those accounts out of collections. 