grassfeeder wrote:Not through NFCU, however I was just approved at 10.99% through Wells Fargo - discharged on Oct 31 of last year.......
Wow! Congrats on the approval, not a bad rate to be so fresh out of BK. My BK was discharge 10/2012 as well 
I included a Wells Fargo cc in my BK so I am not too sure how that will go :/
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13!
MovingForward_2012 wrote:
Prestige Financial is a subprime lender that offers auto loans to those whose bankruptcy has been discharged. Their website is www.gopfs.com
I will look into that when the time comes! I would really prefer to aquire the loan through NFCU though. I want to establish as much of a relationship with them as I can haha.
Post Bankruptcy, if the two were before it won't matter to NFCU since they do not use auto-enhanced scores for auto loans.
Now on the other hand, those two if before the BK will help your score when a dealer runs it.
For example: NFCU turned me down 3 months post-bk with a 600 score an told me, 6 months post-bk auto history. Now, the same day I went to Toyota, and they pulled 650 auto-enhanced score, because I had 3 perfect paid auto loans before bankruptcy. Walked away with 0% on a 2013 Toyota and my BK was barely 3 months old - they didn't even flinch or ask about it, it was like the BK wasn't even there. Good luck
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