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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO