My sense is that there is no benefit to you to wake sleeping dogs. The FICO score reduces the relevance of these things more and more as time goes by.
Find out what your credit score is. Capital One is advertising a free app that gives you your score. Realize that each credit bureau will give you a slightly different FICO score.
Once you know your score, talk to a few lenders and see what they say. But a better plan is to buy a cheap, old vehicle and pay cash. Honda Odyssey minivans >100,000K are excellent vehicles and a lot of moms sell them at the 100K mark, single owner, cars that have been babied.
Find out what your credit score is. Capital One is advertising a free app that gives you your score. Realize that each credit bureau will give you a slightly different FICO score.
Once you know your score, talk to a few lenders and see what they say. But a better plan is to buy a cheap, old vehicle and pay cash. Honda Odyssey minivans >100,000K are excellent vehicles and a lot of moms sell them at the 100K mark, single owner, cars that have been babied.