Nope. They simply go by the numbers they get from the credit agencies. There is nothing you can do to change that. What you can do is to make sure your credit is good BEFORE you go in to buy a car. You do realize that you don't need excellent credit to buy a car. (or buy anything) But, the worse your credit is, the higher interest rate you will have to pay. You can work to correct things that are wrong, or out of date on your credit report, but that takes time. The credit reporting agencies have to go through and update their information from your lenders, and business partners. YOU can't do this, you can only keep on past creditors and lenders to make the information correct, so It gets to the agencies so they can fix the numbers. It is a stinky system.