ive been rebuilding my credit, ive gone from a 530 to a 640 in the past 9 months, ive paid off all my debt minus student loans, have 2 credit cards (just got a good one last month no annual fee and fixed 7.9 apr) with no balance and i make 50k with only $500 m/rent and $200 m/student loans + expenses (Gas,Cell,etc) . However i got declined, for financing at the honda dealer. My plan as of now is to try to save 1000 - 1500 to put down then try somewhere else. the bike i want is a Honda Shadow Spirit 750. I figured since i just started getting good credit card deals, that my credit was back in atleast fair status. The only reason i can think of i didnt get the loan is my student loans were defered for a long time right out of school and now the debt to credit ratio on the account is at like 101% because intrest still compiles on defered loans. Two questions, 1. Why did i not get the loan? (Ration or Score?) and 2. Whats the best plan for getting the loan soon? (Id rather not wait if i dont have to, i know i canhave like 60-75% down by spring, but would prefer not to wait as i have plenty of extra money these days).