Hello, I'm finally ready to buy the car of my dreams but I just looked up my credit score and it's way lower than I thought. I don't have anything bad on it so I don't know what's the big deal. I have two credit cards that I've been paying the minimum every month, so no lates or anything like that. I do have a collection account but I paid it off about three months ago. How can I gain more credit points? I've been paying everything on time. What does it take to get a good credit score to be able to purchase a car loan? Any input would be great....thanks