No. If you build a robust budget and spend within that, you will have an 800 score. Do that. Do it intentionally. Credit agencies evaluate risk, so even if yo

No. If you build a robust budget and spend within that, you will have an 800 score. Do that. Do it intentionally. Credit agencies evaluate risk, so even if you can stomach that $1200/mo car payment on your $50k/yr job. You are gonna take a hit for making a stupid financial decision, because even if you make those payments, you are almost certainly teetering on the edge to do it. (never mind that your score was probably already bad given the thought process to take on that loan). Banks don't want to loan to people who are lucky and always somehow pull it out. They want to loan to people who are smart and reliable. Credit agencies try to filter for that.