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Stupid!

In house credit % at music stores is like borrowing from a loanshark. Do yourself a favor and get signed up with a legitimate credit reporting company. You should know if you are going to qualify before you apply for a loan. If you are currently paying off one loan and miss a payment, you're credit score is hurtin' :hmm:
Aye the ones ive seen have been 30%+ !
 
I know. But, i'm back on track now!

That's great but your credit score is lagging behind you!! Spend the ten - fifteen bucks per month to monitor your credit. It's almost impossible to manage it without having up to the minute access to it. It's better to know when you can qualify and what your % will be on a loan before you apply for one. Believe me, been there done that. If you're not on top of your own credit your in trouble. The older you get and the more money you make, the more important it is.