Growing family and we need a large SUV. Four kids. Below average credit. Any help

[craig h]

is appreciated.? Growing family and we need a large SUV. Four kids. Below average credit. Any help is appreciated.

Let me be clear. I do not want a new SUV. I would like a used SUV. myFICO said my score was 643. Freecreditreport.com said it was 595. Which one do I go with? Can I finance a new vehicle. Our family really needs one. We paid off our SUV now 6 months ago. I have one student loan on my credit and nothing else but a small collection. Are there any credit cards that will lend to me so I can raise my score. I have been working at this for a year now and got my score from 506 to 595-643. I have never had any credit cards. I am making about 9,500 a month for the last two years. I started rebuilding last year. If anyone asks where my money goes...I have 4 beautiful kids under 9 years old. Again, any help is appreicated.


Also, I need a used SUV becuase my SUV now is not big enough for a family of 4 kids. Thanks!