@Anonymous wrote:
@Anonymous wrote:
Haha! I did burn them, unfortunately. My best friend says they do second chances, though.
they do - usually a minimum 1 year post discharge
Thanks for the info, then! I'll have some good leverage to re-finance (especially with a lot of positive equity) within the next 6 months, and again in a year. Once I've been on the job for a year (started last month), my CU will finance me at a decent rate, possibly 2.9% or so. And then I'll have the option of Cap One, too. But I just need that initial loan to get the process started. Then again, I'm not buying sh*t until my current car gets repossessed, because for now, it's a free ride. They could just be waiting for the official discharge date, but I don't know why they'd do that when the stay was lifted in December and they can come get it anytime. And for every month they don't repossess it, I can amass a larger down-payment. Who knows, I may have $30K in cash by the time they get around to snatching my current car...
