@MarineVietVet wrote:One potential problem I see is this quote from you; from 2005 - 2008 I had a bad stretch with serveral 30 60 and 90 day late payments on credit cards and the student loan.
Now a single 30 day late after several years loses much of it's impact but a 60 day late is scored much harsher and a 90 day late is considered a major derogatory and will probably hurt for the entire 7 years it can report although all negatives will lose their sting as time goes by.
I'm certainly no auto loan expert so I can't say how a particular lender will look at this. Scores are not the only criteria for approval. IMO (In My Opinion) only a lender can answer your question definiitely.
I have a 60 on a car loan from 4 yrs ago, and multiple up to 120 on a student loan from longer ago, and recently ended up with 4.9% approved used car loan for around 25k through my credit union, but my history in the last 4 years is perfect, I have good utilization, and a good mortgage history. Plus three previous paid in full installment loans.
When you car shop, check your credit union.
