have a question here..

im trying to get a car loan but got rejected by 1 local bank and now trying another bank.

my problem is, i have ctos back in 2008 and not settle until now.

is there any chance i can get my HP loan since i am ctos? i dont have any other loan (personal, cc or whatever) except ctos by 1 private company because of buying their selfstudy set. and im sure i didnt have any record in ccris.

is there any bank that didnt check for ctos? 1 more thing, im using my father as a guarantor..how many percent is my chance for getting that HP loan?

thanks.