I applied yesterday after all the advice! I was pre-approved for up to 15,000!!!! I'm super excited. Test drove a car I really enjoyed after work and I'm in the process of getting actually approved this morning. Thank you all for all your help. Also Take.. the derog was a med bill, so I thought it had less pull than a normal derog. Correct me if I'm wrong. Anyways, yay, my worker's CU pulled through for me 
