After working overseas for the US military and others for 20 years, my credit score was reset to zero. You know what that means.
Only place that took me was a sub-prime lender with 39.96% interest. No choice. With no bus service it was either walk 10 miles each way in the Seattle winter or stay unemployed after I was replaced at Microsoft by an H1B Indian. (I was in walking distance to where I worked while at Microsoft)
Yeah most idiotic choice I made in my life, but no honest dealer would take me.