Auto loan questions-please help!!!!

[Anonymous]

I will give you a little history first
1. I filed for bankruptcy in 2002 which was discharged in feb 2003.
2. I believe in NJ it stays on your credit report for 10 years.
3. Bought a house in 2009- principal amount left is 183k.
4. Student loans are 55k
5. TU fico score is 735, EQ fico score is 713, EX don't know.
6. Annual income 63k
7. 1 late payment on a credit card in 2004. No late payments since.

Questions:
1. Which scoring system do they look at for car loans-fico, plus, vantage, beacon, etc
2. Where can I get these other scores?
3. Would I get approved for a car loan of 30-35k over 60-84 months with 8k down?
4. Where do I need to be to fall under the well qualified buyer deals that dealers offer? I am not in a rush so I can wait if need be to come up with more down payment or credit score to go up when my bankruptcy falls off my report at the end of this year.
5. I also belong to a credit union so if I don't fall under the well qualified buyer tier, I will try to get a better interest rate through my credit union.
6. FYI I have not financed a car in over 15 years.

[Revelate]

1) Usually you'll get an auto-enhanced score pulled.

2) You're stuck, you cannot find out this score unless you apply for an autoloan at a dealership typically.

3) Lots of places, YMMV re: rate.  Auto loans are secured against the vehicle, this isn't a difficult loan to obtain for nearly anyone.

4) You're not likely gold-plated enough to qualify for some / all of the well-qualified-buyer plans, but check around.  Some are more lenient than others (Hyundai / Toyota vs. Honda from reports here).  The Auto Loan Approvals thread is a gold-mine for lender research.

5) CU's can be very good APR wise, and they're more apt to reward loyalty.

6) Yeah, you're sort of going to look like a "first time buyer;" however, you already have a mortgage which will go a non-trivial way I suspect for an auto-enhanced pull.

[Anonymous]

Thank you.

[Anonymous]

I think you are in a good shape with scores above 700 and (good0standing)mortgage.