Got approved by Honda Had 5000-5500 negative equity and they made it work. Couldn’t get the BMW(preowned) but was able to get into a nice car. 554x36 months. 3126$ down
For the record all my scores were N/A except for 1 and I think it was my FICO 8 Experian 532 that was used because that what was on the paper so misleading title.