Thanks for the info.  How did you get hooked up with Regional Acceptance?  Through a dealer?  Their website is dedicated to dealers, etc.  I was accepted for a loan through CarMax, but they only had a certain lot of cars that I could get with that and none of them is what I wanted. 

 

The income isn't a problem, nor the ability to pay for a payment and God knows that I've learned my lessons with the past and will NEVER pay late on anything again!!!!  It is frustrating getting turned down though!!!