Hi Group.... in 2012, I had my car repossessed for lack of payments. Within a few days I made the past payments and got the car back. Within months, I had some additional financial trouble and Capital One basically charged off the account. It is on my credit report as a charge off. Here we are 4 years later and the car is basically dead and I need to get a new (used) car. The car dealership does their banking through a credit agency bank and my credit is on the higher end of the "poor" category. I just paid off 3 collections debts which will make my score go up quite a bit. My question... will that car loan charge off be a deal breaker?