03-31-2013 05:48 PM
Without any active TLs that are reporting positively, you are going to have difficulty getting financing at an acceptable rate. You may want to try for a secured card to start rebuilding, but that takes time, and it sound like you want a vehicle fairly soon. Perhaps someone else can offer some alternatives for you.
04-03-2013 02:31 PM
Have you attempted to GW any of the late payments ? That would likely help your FICO score and should improve your odds with getting approved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.