How can I get a decent approval to finance the vehicle that I need?
OK, you'll want to slap me for saying this, but why does a person *need* an $80,000 car? No, don't answer that.
The car finance companies are probably skittish because it's such a high amount to lend, and if you maxed out your cards you'd have another $60k in debt.
I know you don't want to hear this, but I'd set my sights a little lower. You make a good salary now, but there's no guarantee, etc. etc. Many people on this forum have had unexpected life events such as divorce, disability, death in the family, and of course job loss. Any one of these could send you into a tail spin, and the car companies would rather not take the chance that they have to send out the repo man to get your Mercedes back.
Bartender, bring another round of FICOtinis please!
9.4.2011: TU 805. EQ 815.