i AM GETTING MY CREDIT STARTED RIGHT NOW. IT IS IN THE 520S, NOT BECAUSE OF NEGATIVE MARKS BUT BECAUSE I HAVE HAD ONLY SMALL LOANS. I HAVE PAID THEM OFF AND WAS WONDERING IF I COULD GET A 2008 AUDI TT FINANCED WITH $15K AS DOWN PAYMENT......OHHH, AND NO I DONT WANT TO BUY A 15K CAR!