Chances with DCU?

[CaliCreditCrazy]

Hi.  I'm looking forward to applying for a DCU auto loan soon, but I'm worried that a single TL is going to spell doom for me.  Here's the details:

I've heard they pull from EQ.  Here are ny scores:

FICO 8: 652

FICO 5: 652

FICO 8 Auto: 668

FICO 5 Auto: 654

I have 2 medical collections under $300 which are showing every sign of being removed within the next 3 weeks and may give me a bump. 

The giant steaming pile of derog is this:

Bluegreen Corp - $0 Closed timeshare loan marked 'charged off' (Due to drop 1/2018) Showing 13 lates and over 120 days

I'm going to shoot for 30-35k and I have 2 good TLs which are:

TU/EX/EQ
Cap1 Platinum (Secured) $800 12/2011-Present never late
0 balance

TU/EX/EQ
Cap1 Quicksilver One $4000 12/2013-Present never late
$400 balance

Other info:

Length of history: 5yrs, 1mo

AAOA:  3yrs, 4mo

2 inquiries, one falling off in December

I make just over $50k.  Can anyone speculate on my chances?  Will that 13 late derog be a giant red flag that I can't recover from?

[lincar66]

Well they use eq5 so 652 would be the score they use.

I applied for a auto refi in April with a charged off car loan from August 2014 showing a lot of lates I make 40k a year and had a 629 score they pulled and was approved for 30k at 11.24% with tons of inq and new accounts. I ended up not using it but was approved I'm pretty sure you should be fine they give you a chance to talk to a loan officer to explain your report I think you should get below 5% but if you can somehow get your score 675+ you can get 1.74%