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We will be getting discharged from our Ch. 13 in a few months...We r hoping to get a newer vehicle.....Just curious how much of a problem we will have trying to get financed.... Also wondering what any of you had to do special to get a vehicle....We actually had a stellar credit history up until the 3-4 months before we filed CH 13..( my hubbys hours were cut drastically from work) So we still have quite a few (36 i believe)good accounts reporting on our credit report and the ones included in Bankruptcy ( 13)reporting as bad....Through our ch 13 we have been making our house and one vehicle payment on time every month...( vehicle will be paid off this month) Been trying to save to have a down payment for vehicle plus our trade...Was planning on getting pre approved through our credit union..( we have our house and most of our past vehicles through them) Do any of you forsee problems??? Any input is appreciated!
DH financed a used car through our CU about 8 months after CH 13 discharge. No problems whatsoever - and a good rate.
They pulled Exp - DH's lowest by far. His Exp FICO (could have been auto enhanced - don't know) was 694.
They approved on the spot and never brought up the BK.
Best wishes to you and congrats on completing your CH 13 - most folks don't make it all the way through the 13 process.