Well... it's started. AAA who deals with a number of banks and credit unions told me that the places they submitted my app to declided it because it may be to soon after my BK (discharged 1/10) and I have a few tax leins. Waiting for an answer from my local CU and an going to apply at Ally after I type this then that's it. Those leins aren't going anywhere. To much to pay. If it doesn't get refinaced. it's no big deal but it would have been nice to lower the %.
