Here are my stats EQ 593, EX 630 TU 633
My chapter 13 is due to be discharge in Oct 13 yay! I need to buy a newer vehicle lots of probs with my current one. I will have about 5k saved for a downpayment and between my wife and myself we make $140k a year. We have been working to improve our credit since the filing. We were able to buy a $220k house just last year. I applied for credit with lincoln and their auto credit score was 100pts lower than our lowest fico score. I think thats craziness! We paid off both cars. Our credit card usage is a little high(40%), but will be paid off by end of sept.
Anyone have good experience with capital one? What kind of rates should we expect?
our credit union said with a score of 560 we would need $10k down and the interest would be about 11% (this was an example she gave). I am hoping we get a decent bump when it discharges and with the pd off cc's. and no collections. we do have a judgement that is being reported incorrectly and our lawyer is working on getting this fixed.
We have a capital one cc and did not have one when we filed chapter 13.
Any suggestions would be helpful! Thanks!