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Hello,
Long time lurker. Im hoping I could get some insight on peoples thoughts/personal experiances. Expected interest rates, ease of financing etc.
Ive received my Discharge after 5 long years and have done a decent job of rebuilding my credit. Im looking to purchase my first vehicle in 10+ years.
Fico info
TU 667
EQ 671
EX 672
My bankruptcy discharge hasnt shown up on my CR's yet as well as a tax lien that still needs to be removed. 0 Collections only 1 account at 24% utilization. The plan is to put $5000 down. I also plan on waiting until the lien is removed from my report and the BK shows as discharged so I would expect my scores to get a little bump from that. anyways thanks ahead of time for giving your thoughts.
Yeah joining NFCU on Tuesday. was pulling all of the required paperwork before I go in.
Bought 2016 dodge journet/v6 /sunroof CPO with 5000 miles for $19500, 3 day's after ch13 DC = Capital one auto 3.49%@72 months added a lifetime /unlimted mile warrany .out the door $22500 All scores were around 615 at the time. $356 mo
2 weeks later wife bought a CPO nissan altima with 9 miles [thats right 9 miles] for $16999. plus T/T/fees put $3000 dowm , credit union @3.49 for 48 months, 351mo
Never asked about the CH 13. Hope this helps My rebuild has been very easy.