That sounds like a good deal, but if you can't get it, don't worry so much.
As far as ex's and bad credit. I know all about that. Around 2009-2010 years ago my credit started to tank due to some bad life decisions. I had lots of unsecured debt, like credit cards, and I was being sued. About 4 years ago I decided I was going to try and fix my credit. I got something called a secured credit card from my credit union. It was just for like $200 or something small I don't remember, but I had to put that money down. Then I had to use the card once in a while, and make payments for 1 year to get the $200 back and the card to become unsecured. They really liked me so they actually let it go in 6 months and they raised the limit to $600 (and they put the 200 back in my savings). From then on I would buy something every month, and always make more than the minimum payment every month. Then every year they raised the limit (I have never asked). Now it's like $5k, a good interest rate, and I just checked my credit and it's pretty descent again, around 785. I think a lot of the old trash in my credit report finally started falling off.
I was also one of the one's who was affected by the equifax breach. I still can't even log in to even check that out and dispute stuff yet. I guess they are still figuring that out for those affected, but I try and check it from time to time to no avail.