So I am looking at replacing my car soon. I have about a 630 ex score, but a 594 auto enhanced (subject to change, I had a 30 day late removed but it hasn't effected the score yet). I have 1 collection I'm hoping to get removed and everything else for the past year is paid on time. I did have a rough couple of years before that with negative reporting. I'm hoping to go with navy fed (but I have a charge off the is paid with them). I make about $113000 a year. Looking to borrow 35-40k. Anyone think I have a shot. Probably gonna wait another few months to pull the trigger.
