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UpNComing wrote:

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No previous auto history?

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Oh yes, sorry I should have added that.

1985 – New - Paid none missed – GMAC (No longer on credit reports)

1987 – New - Paid none missed – Ford Motor Credit (No longer on credit reports)

1990 – Used – Paid none missed – I forget which bank (No longer on credit reports)

1992 – New - Paid none missed - Tropical Telco

1999 – New - Paid none missed - M&T Bank

2002 – New - Repo in 2005 - Nissan Motor Acceptance (Fell on my butt hard a few years) (No longer on credit reports)

2006 – Used - Paid none missed - CarMax Auto Finance

2008 - Bought my current car used with cash at CarMax

I don't know if this would be considered too but I had a mortgage back in 2002 which was paid off early.  I no longer own the property though.