I paid off 30k of student loans and a 26k car (which I no longer own) years ago, and I had two credit cards at one point, but I foolishly decided I didn't need them and closed both credit cards several years ago. I was pretty good about making payments on everything, I may have missed one or two but that's it.
Now when I applied for a 16k auto loan with my credit union, I got the worst rate which was listed for "Poor/No Score".
As far as I read, I probably don't have a credit score right now because I don't have any lines of credit?
Should I try to request a better financing rate from a dealer right now? Or would I get a better rate if I get a new credit card and build up credit for a few months? I could also consider asking my mom to co-sign but I'm wondering if I could avoid it and still get a reasonable rate.