Sounds like you've been through rough times. Things will get better in time. But on your credit report it will appear if you had any outstanding balances, late payments etc....for at least 3 years, depending on the creditor. To get a new car, you'll most likely need a co-signer and a hefty down deposit, but there are car companies that deal with people who have bad or no credit at all. They offer 3rd credit, the interest rate is very high, sometimes it could go up to 30% per year. Shop around, you'll find something, but for a new car? I'm not sure if you'd be accepted at this point. You can always try, but once every 6months, if you ask for credit whether it be for a car or credit card, the more you ask for credit the more you look desparate, and they are likely to refuse you, to them right now are what they call " High Risk". Take my word for it, been there done that. Call for your credit report agency to get a copy of it, if oyu have low ratings, don't bother to shop for a new car, if it's average then try, believe me, I'm not trying to discourage you.