I have been looking around for a loan to buy an engagement ring, but here is my dilemma.


While I was in school I had a couple charge offs on my credit report. I graduated last year, and got a great paying job and was able to repay the debt that I owed and have the accounts marked as:
1 - current (late 4 times)
1 - settled for less then full amount
1 - c/o $0 balance

Since graduating I have also taken other steps to get my credit back on track including
1 - purchasing a car in my name which I have had 1 year of on time payments of over $450/month
2 - repaying student loans on time

I have taken these steps and my credit score is still poor (578-590).

I really would like to get a loan for between 5-10k, which should not be a problem with my salary, however because of this score it doesn’t look promising.

My question is... Is there any known lender who would be a good fit for this situation, or am I destined to have to wait for my score to rise a bit more before buying the cow?