<prompt> Human: Right now my credit is fair 650. I have an ugly credit past, I have a judgement that will be dropping off next October, so Im assuming that once that is gone my credit score should improve drastically. There are no other bad marks besides that. My accounts are all in good standing with on time payments.Here are my accounts and I am at 0-5 utilization:3 credit cards2 store cardsMy current car was paid off as of last year. There are really no issues with it, other than its got high mileage and needs new tires, and those run me 400 up. I am in the mindset that I work hard for what I have and I deserve something new. My current credit score does not qualify me to get anything used, so I would have to buy new. My car is worth 4-5k blue book. I dont know if I should hang onto it until next October when my score should improve, or just get the new car because my current cars value will decline. I am also under the impression that a mix of credit accounts improve your score.  <response>: If the only problem with your car is that it needs new tires, keep it. 