Yay! Thanks to this forum and everyone's advice, I found out how to use Pacer and saw that we got our Chapter 13 discharge 4 days ago! It has been a long 63 months, but I've learned A LOT in that time, primarily, how to live cash ONLY. During the last year or so, we've desperately needed a new car and I'm hoping to be able to buy one soon. In the meantime, I'm patiently waiting for the discharge to hit my credit reports so that I can ensure that everything reports correctly before I apply. I hope this doesn't take too long to happen. I tried to clean up some items before the discharge (i.e. accounts that were IIB reporting as past due) and have disputed a couple of accounts. Waiting on the results for those 2 items. I first joined this site at the end of April this year and learned about the capital one prequal site. For fun, I'd log on, just to see if I qualified for anything (I never did). Well, today I finally pre-qualified for both the Quicksilver Rewards and the Venture Rewards! Hubby pre-qualified for Platinum MC and Quicksilver One! I DO NOT intend to app for any credit cards. A car loan is first and foremost on my agenda, but it was just nice to feel the love. I intend to follow the "BK to 700" thread to the "T" (after securing a car loan- my 13 year old car is in need of replacement). Thank you all for your contributions to this site! I'm excited to start my rebuild.
Thank you!
Your rebuild started 63 months ago.
Chapter 13 is different than 7.
You are ahead of the game.
Check with Cap One Auto and CC prequalifications.
I just bought a new car through Cap One at 2.49% for 72 months!
I am 2 years out from Ch 7.
congrats!
Thank you!
@Anonymous wrote:Congratz !
Since you are after a Vehicle, and not a Credit Card.
Are you looking at Dealer financing?
Or do you have one or more Credit Unions in mind to fund this?
@Anonymous, not looking to finance through the dealer. I went on the Cap1 prequal site and was prequaled for up to $40,000 @2.49% to 5.39%. I thought it was pretty good for 4 days post DC. I went to my credit union today to apply, but there was a wait to see the loan officer. I left my info and am waiting to hear back. Unfortunately, I burned NFCU in BK13 so I'm not going to waste my time there. DH was approved at Cap1 for $22,000 at 3.6%-12.05% but he did not burn NFCU so he will try with them as well.