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New Car Post Ch 7 BK

Valued Member

Re: New Car Post Ch 7 BK

I think I am going to have a hard time getting approved after my DC due to me having lates over two years ago, so my auto credit score is shot! I reaffirmed my current car and only have less than a year left, but the past is haunting me at this point. Is there anyway to fix auto credit score?
Valued Contributor

Re: New Car Post Ch 7 BK


Newbeginning1925 wrote:
I think I am going to have a hard time getting approved after my DC due to me having lates over two years ago, so my auto credit score is shot! I reaffirmed my current car and only have less than a year left, but the past is haunting me at this point. Is there anyway to fix auto credit score?

you'll get approved...check the pre qual sites, and you can always check out CU's they usually use your FICO's and not auto enhanced scores. 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Valued Member

Re: New Car Post Ch 7 BK


j_casteel wrote:

Newbeginning1925 wrote:
I think I am going to have a hard time getting approved after my DC due to me having lates over two years ago, so my auto credit score is shot! I reaffirmed my current car and only have less than a year left, but the past is haunting me at this point. Is there anyway to fix auto credit score?

you'll get approved...check the pre qual sites, and you can always check out CU's they usually use your FICO's and not auto enhanced scores. 



Thank you for the info! 

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Community Leader
Senior Contributor

Re: New Car Post Ch 7 BK


2GreenThumbs wrote:

I was able to finance a brand new vehicle, @ 2.99% ($31,000+) just days after my BK 13 was discharged.  My CR showed pre-BK auto loan that was paid, closed, no lates.  That might have had something to do with it?  Also, my income is steady and pretty good.


A Chapter 13 is far different.. The day you are discharged you are usually 5 years post BK.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE