Welcome to the forums!
I would work on that with the banks, and maybe you can ask for advice from the credit rebuilding section of the forum on how to fight these collections. Once you get them knocked off you will be able to drive away with a dream car at a really good rate.
5.09% on 22,000 IS A BEAUTIFUL RATE at this current time. Rates have gone up due to the federal rates being increased by over 1.00% in 2018. Hopefully it will stay the same this year.
Did they ask for POI?
***Edit, I was just approved with NFCU for $23k 6.59% EQ 619, no POI, Ive been a member for 4 months, I have a $500 secured card with them
I think you have a pretty good chance. You may have a high interest rate. But with 3 collections and a recent late, I was approved 3 years ago.. I was approved for $22k with 5.09 APR. and just recently approved for 35k, and my report still isn’t clean.
You mean trigger?
Don't be discouraged, that's pretty good rate for your profile. The rate could have been higher.