I dont understand, I'm looking to finance a 2013 infiniti JX for 52k with about 10k down, I started applying in June of this year and have been to 3 dealerships, the dealerships just kept on pulling my credit and now I have 75 credit inquiries on equifax and experian, and 21 on transunion.. I have perfect payment history on my credit cards (they are all pretty new), currently have high utilization, and 21lates on prior auto loan.

I CANT GET FINANCED ANYWHERE.

any suggestions, I was also looking at a ford eplorer..... but .....denied.......

I make 92k a year as a general contractor,

scores tr-612

equifax and experial-580..... they were all in the high sixes until utilization posted..

Any suggestions would be appreciated...Thx