Will I get approved ?

[keikdasneak]

*Thanks to this site i have been able to improve my credit score and learn how credit works.*

I have a few questions and concerns about getting a loan for a vehicle i have been after for a while now.

Scores
Experian: 704 Score FICO "pulled local CU"

Equifax: 670 Score FICO

Transunion: 660 Score FICO

Each Credit report is totally different, some cards don't report and so on.

Reports

Experian: 11 Positives 3 negatives...

7 credit cards, 3 installment loans. 2 Collections, Shows car repo repo'd in 08.

Equifax: 8 Positives, 4 negatives

doesnt show repo

Transunion: 12 Positives 8 negatives !

Shows car repo repo'd in 08.

My Experian is my best score right now. In july 2010 i opened an auto loan for $16k i owe $14k now, and the vehicle which i purchased is worth 24k "KBB". 

What i am trying to do is trade in my recently purchased vehicle for another which is around $34,000.

Who will be better fit to approve me?

Franchise Dealership?

My credit union?  *my credit union pulls experain only*

Or Capital One?

My debt to income is great, I am self empoyed (75k per year) 4-5 years now.

[Creditaddict]

I would do all three within the same week though... Apply to Capital One, CU, and let the dealership have at it, but have the approvals from Capital One and CU when you go to dealership and tell them what your best rate is and try to let them beat it... you will end up on top if you maximize all your choices.

Is the 34k car new? what is the special APR being offered by that brand right now?

[keikdasneak]

Sorry i should of been more specific on the vehicle, it is a used car 2004 KBB has it for $42k there selling it for $34k its a rare exotic one would say.

[Creditaddict]

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@keikdasneak wrote:

Sorry i should of been more specific on the vehicle, it is a used car 2004 KBB has it for $42k there selling it for $34k its a rare exotic one would say.

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04' might make your rate slightly higher, but nothing to dramatic.. CU would probably be best, I don't think Capital One goes that old do they? or do they as long as the mileage is under 70k... couldn't remember exacts.

[keikdasneak]

yea capital one goes that old 7 years cant be over 70 thousand miles.. the vehicle i am looking at has 21,000 miles.....