A web user asks, I am 28. There are two defaults on my CR rating, both paid. One of these comes off my file in 60 days. I am currently on 55K, and will move to 62K in the next month, and have been fully employed at the same company for 2 years. Currently No mortgage, No credit card and No loans.
All bills meticulously paid for the last few years, and I have just over 10K saved up in my savings account. Total hits on my CR file by suppliers at the moment is 2.Is my current CR rating terrible, bad or fair?
All i need is a measly 10K loan for a car.
Do I have a chance of getting a loan? And if I do, should I wait until I go to 62K and until one of the defaults comes off my credit file in 60 days to try? I am stressed because this car is a must because of a sudden medical situation, and so I need it. I just don’t know where to start. Please help with some info if possible. Thanks in advance.

Can you help them out? Post your advice!

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