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Help Obtaining an Auto Loan after Chapter 7 discharge

Frequent Contributor

Re: Help Obtaining an Auto Loan after Chapter 7 discharge

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BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 21 of 42
Frequent Contributor

Re: Help Obtaining an Auto Loan after Chapter 7 discharge

2 months post bk, this is what I was talking about. 

 

Go pre-approved!

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 22 of 42
New Member

Re: Help Obtaining an Auto Loan after Chapter 7 discharge


harleygirl1987 wrote:

SOMETHING will turn up Homie. Smiley Happy


Thank you! I'm feeling super discouraged still. I've tried CarMax (wanted high down payment), Carfinance.com, Roadloans, CapOne Pre-Qual, Prestige, and went to a Ford Dealer (who approved me but needed more money down). Talk about exhausted.

Message 23 of 42
New Member

Re: Help Obtaining an Auto Loan after Chapter 7 discharge


TXinandout wrote:

2 months post bk, this is what I was talking about. 

 

Go pre-approved!


I'm trying, not having any approval luck. Haven't applied at Wells Fargo but I doubt they'll approve me seeing as how the others didn't.  Nice BMW by the way, very sleek.

Message 24 of 42
Frequent Contributor

Re: Help Obtaining an Auto Loan after Chapter 7 discharge


homie_braxton wrote:

TXinandout wrote:

2 months post bk, this is what I was talking about. 

 

Go pre-approved!


I'm trying, not having any approval luck. Haven't applied at Wells Fargo but I doubt they'll approve me seeing as how the others didn't.  Nice BMW by the way, very sleek.



Are all your accounts showing iib? Have you established any credit at all? Have you gotten your real fico scores?

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 25 of 42
Established Contributor

Re: Help Obtaining an Auto Loan after Chapter 7 discharge

You got the TX special those things are everywhere. What year is that?
Message 26 of 42
New Member

Re: Help Obtaining an Auto Loan after Chapter 7 discharge


TXinandout wrote:

homie_braxton wrote:

TXinandout wrote:

2 months post bk, this is what I was talking about. 

 

Go pre-approved!


I'm trying, not having any approval luck. Haven't applied at Wells Fargo but I doubt they'll approve me seeing as how the others didn't.  Nice BMW by the way, very sleek.



Are all your accounts showing iib? Have you established any credit at all? Have you gotten your real fico scores?


I was discharged on 7/25. I've enrolled for my leasing office to start reporting on my credit so that may help with building.

I haven't gotten my real ficos yet, should I do the whole "freecreditreport.com" thing and get my real scores?

I have Credit Karma but they only show 2 of the bureaus.

As far as Credit Karma shows all of my accounts show closed, some say "settled for less than amount owed" majority say Bankruptcy.

Message 27 of 42
Frequent Contributor

Re: Help Obtaining an Auto Loan after Chapter 7 discharge

It is a 2014 328i sport package loaded with a bunch of stuff. I like this one better than my 2014 Mercedes CLA 250, much of a better ride.

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 28 of 42
Frequent Contributor

Re: Help Obtaining an Auto Loan after Chapter 7 discharge

You need to get your real fico scores from this site or credit check total. Open a couple of secured credit cards and maybe a store card, you need at least 3 revolving. As soon as those report, your score will go up at least 50 points, YMMV.

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 29 of 42
Established Contributor

Re: Help Obtaining an Auto Loan after Chapter 7 discharge

Really! We are starting to get all kind of mailers. Did you enjoy experience with the car dealership you got it from? If so pm me the info !
Message 30 of 42