Happy ending to my woes. I was approved and have picked up a 06 ford escape 4x4 with 75k miles for $8300 at a ford dealer in Beatrice Nebraska. We put $2000 down and will have payments of $174/mo on a 54 month note @ 18% apr. The lender was American Credit Acceptance. Able to keep my old ratty dakota for backup and heavy lifting. Thank you so much for this forum and all who advised. I will be sure to post the relevant info in the approvals forum so others with bad credit will know it can be done.