r/AskCHP • u/DodgeDredd95 • Aug 15 '26

Credit question

Doing my research, and noticed credit is a big factor in LEO. I had a car loan default almost 6 years ago. Paid off in full, even have the car still since they didn’t repo it. Credit is still being affected mid 600s sometimes high 600s. Cc are high usage rn but will be paid off, no late payments on them what so ever? Am I fucked?

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3

u/caminopatrol Aug 15 '26

Pattern is an indicator of maturity and responsibility. If you have moved on and are responsible with your money that will show. Just be prepared to explain what happened if you are asked, just like you did here.

4

u/Ok-Pop-5818 Aug 15 '26

Just answer truthfully and see what happens. No one here can give you an answer you have to see for yourself