Before shoping I would call the auto finance companies (Ford Motor Credit, GMAC, they company you used in the past) and aks them. Also check CU and differnt delars as well. Also print out your CRs and take them do the dealer or CU and ask them if they would qualify you past on the info. They may not give you an exact answer but it might save you from a hard INQ denial.
1/25/2021: FICO 850 EQ 848 TU 847 EX