799 = Flame
What your credit score is going to affect is the interest rate you pay on the loans. A lower credit score could give you a very nasty interest rate. if your credit score is very low, then it will start to affect your ability to get a loan at all. If you have any derogatory items on your credit report, deal with it now. I had an unpaid parking ticket from 1999 in Philadelphia that had grown to around $100. I finally just paid the damn thing a couple years ago (you know, cleaning up the mess of a misspent youth), and got that derogatory item off my credit report.