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Complicated situation that is for sure but you have some good things going for you. Overall your credit is pretty good so if you get the right lender I think you will still be ok but will get hit for higher interest. I suggest joining a credit union and establishing a relationship. I would dispute the inaccuracy on the other car payment being late.
@cartwrna wrote:
As far as the "voluntary" repossession, it will still be looked at negatively by possible creditors. They look at your ability to repay, and if they see a repossession that looks as if you were unable to handle that finance. Talk with a few credit unions, explain your credit situation, don't let them pull credit until you've gone over it and they assure you it will be ok. Give them your FICO scores and explain your report and they will be able to let you know if they can help and if so an estimate of your APR.
Thank you by the way, I've been kinda df thrown for A loop here and been working to much to think straight, I also have the wife trying to get me to commit tax fraud because she only wants a quick dollar, pathetic.
my plan is to contact the Cu I am already with tomorrow for the auto loan, it sucks even more that the BEST CU within about 50 miles is the one she decided to try to screw me with, but since I already have the loan and refinanced it I may be able to put my foot in.. I've also been with my bank for almost 7 years so that may help me there, I also may try Digital because they still loan to other with mediocre credit.
thanks for you advice!