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judgments and patelco


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I have been working on cleaning my credit up and have had some good success but still have a few negs left. Unfortunately, my car died and I need to purchase a car within the next month or so. I was thinking of trying Patelco but of course Experian is my worst report :evil: My EX score is 622, I have 1 old judgment & 2 CO's still reporting on that report only. Also have 3 30 day lates in the last year. My husbands EX is very similiar to mine. Income is good, appx 80,000. What do you think my chances are for 25,000-30,000 auto loan with a decent interest rate? I hate to waste an inquiry if the automatically decline for judgments or recent lates.

Thanks for your input!

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