Josejose, "not well" is the answer. You gotta have a score of 620+ to get the best rates. You could work with a credit repair company like LexingtonLaw.com to fix it. You should be able to get into the upper 600s or 700s in a few months if your credit is not a complete disaster. They can fix a lot for you -- make sure you keep on top of it though.
You can read my blog series Top 10 Credit Myths at the link below. Good luck!... more