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3 years in the bureau is good.  5 is better but usually not an issue. 

I'd also make sure you make sure your CC balance is as low as possible if it isn't already.  Try to get it at least under 1/3 of your limite a couple weeks before applying so it's updated on your bureau.

Banks love equity.  So 20% down is excellent.  Ford also has a great student program if you are currently enrolled full time, or graduated in the last 2 years.

Another great option is your local credit unions,  their rates are typically very good.  I do all the ebay stuff for our dealership, so I sell alot of out vehicles out of town, and as long as whoever your dealing with, knows what they are doing.  You should be in good shape.

Beef

---------- Post added at 03:30 PM ---------- Previous post was at 03:27 PM ----------

Most banks can't do much for you anymore.  Even most branch presidents / managers are glorified tellers.  The info goes to some central office where someone that doesn't see you / your situation could care less.

The credit unions are a different story and care much more for their members.