No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Do you belong to a credit union? In my experiences, they will work with you. Having 4 paid auto loans WILL certainly help with them, even w/o a cosigner, considering your overall DTI. I believe paying down your balances if you do in fact belong to a credit unuion you will be fine.
ill have to check out some credit unions in my area. do the loans i have had older than 7 years count?