What are my chances on getting approved?  Just joined CU.  6000 down, looking at  used car 14k,  no trade in - car acc

2 credit cards - 0 bal,  opened 12/11, never late. 

Ford Credit - CO on 10/07 for $5,147

Civil Judgement on 09/08 w/  Ford credit.

Trans 685

Equifax - 670

Any suggestions?  Thx