Personal loan applications declined, not sure what to do to purchase a car.

Mercdriver

Mojca799 said:

I think you get free reports from the three main credit checking services through CreditKarma, ClearScore and Experian. They are the ones I personally use - they all display your credit score in a slightly different way but all give a very thorough and interesting insight into your financial status from a lenders point of view.

Good luck!

They aren't the full picture and lenders score it differently.  The consumer scores are a rough guide and less reliable if lenders are tightening up their procedures in the approach of a deep recession to minimise their exposure to bad and toxic debt.