Ok I have payed my bills on time all my life over 1000000.00 in rent every 1st of the month.power bill 300.00 a month property tax every year payed for 6 cars in the past off the lot through first liberty credit union. Rated 3 sons and never missed a day in there lives my credit should show that I don't owe anyone at 55 years old my credit score was 750 and I opened a Chime account and chime dropped my score down to a 560 and it is starting to climb agin but I needed a credit card to use to transfure funds in the market and I was trying to get a mortgage lone because my family is homeless at this time and the market hasn't payed me yet so haw can they say I don't have enough credit when I'm holding more USD in the market then there byisness is worth.

Your credit history, including consistently paying your bills on time and maintaining a high rent payment history, suggests a strong credit profile. However, there are a few factors that may have impacted your credit score:

1. Chime Account: Opening a Chime account and using it for transferring funds could have temporarily affected your credit score. Chime is a prepaid debit card, and using it may not contribute positively to your credit history since it is not a traditional credit card or loan.
2. Mortgage Application: Applying for a mortgage loan can result in a hard inquiry on your credit report, which could temporarily lower your credit score, especially if you have multiple hard inquiries within a short period. However, the impact should be temporary, and your overall positive credit history should help offset any negative effects.
3. Credit Utilization: While you have a significant positive payment history, your credit utilization ratio, which is the amount of credit you're using compared to your credit limit, is not provided. A high credit utilization ratio can negatively impact your credit score. Ensure that your credit utilization remains low to maintain a healthy credit profile.

Given your extensive positive credit history and current efforts to improve your credit score, you may be able to secure a loan for a Ford Ranger with a competitive interest rate. It's important to shop around and compare loan offers from various lenders to find the most favorable terms. Additionally, you can consider reaching out to subprime lenders that specialize in loans for individuals with lower credit scores, as they may have more flexible lending criteria.