What is the reason you receive for the denial?  With excellent credit, most banks will only finance about 120% of a vehicles value.  With $4k negative equity, that may also be hurting your changes for a different vehicle.

---

Starting Score: Eq: 662 Tu: 532 (03/02/2011) CH7BK 01/12/2009 Discharge
Current Score: Eq: 692 (04/03/2013) Tu: 717 (04/03/2013)
Goal Score: Eq: 720 Tu: 740
Wallet: Chartway Visa 10k | AMEX Costco TE (AU) 25k | Cap One MC 750 | Cap One Visa 750