I don't have HORRIBLE credit but I got into some trouble when I was younger and had some late payments. As of late I've begun repairing my credit. I got my credit score and signed up for the Experian triple advantage monitoring plan, and I started disputing some things that I felt weren't accurate. Also, I've aplied for a credit card to bring my score up. I don't owe anyone money, no creditors are after me or anything like that. I got a loan for a matress through wells Fargo financial and am making sure all my payments are on time as well so that should help.
My question is this. I am getting engaged soon and am in the process of looking for a ring. I was planning on paying cash for some of it and financing the rest. What is the likelihood of me being able to get financing with a 609 credit score? The diamond I am looking at is around $3000. I was going to pay $1,000 cash and finance $2,000. The place I am looking at buying has financing for up to 48 months. Do you think I could get it?
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