If you’ve had credit problems in the past, you might want to get your credit score up before applying for a car loan. If you’ve had a debt forwarded to a collections agency, there is still a chance to salvage your credit score. Many collections agencies will allow you to ‘pay for deletion’ of your debt from your credit report. Pay for deletion means that your credit report will not reflect the outstanding debt at all. If you don’t pay for deletion, your credit report will read ‘paid in full’, and your credit score will suffer. This could hurt your chances of getting a car loan down the road.