Nice! It’s been bad news on my front. I am an international student and so my credit history started six months ago with a secured CapitalOne card. I got my first credit score a couple of weeks ago. A pretty decent score 730, if you may. I had a decently saved stash for downpayment and so I thought I would try my luck with used car auto loan of $3000. Apparently my history isn’t matured enough to be approved of one. I guess I’ll just have to wait a bit more.