well i traded off my 2002 F150 today. they ripped me a new one on the trade in price but i got rid of that high payment. i got a new 2005 F150 supercrew same color as my 2002. i pick it up tomorrow. they told me that it would not be on my credit for 30 days so that it will not interfear with the buying of my house. they are even going to hold the paper work till the end of the week before they turn it in so i feel more better about it.