@BobbyJ wrote:
I got at 3.17% rate 6 months post BK7. Capital one also has given me a Venture One and Quicksilver World MC as well. They get a bad rap but they have been good to me and many others.
GREAT rate! I wish I knew what kind of rate I could get without a HP, as my cars weren't reaffirmed in BK-7 (by mistake) but I am still paying them...3%...but no credit benefits, which is why I would like to refinance.
Hmmmmmmm...you guys are making me want to app. 
I went for it today, guys, and came in between the two of you—4.39%
It's nearly a full percentage-point higher than I was paying, but at least it's getting reported to the credit bureaus rather than being paid and only showing up as IIB. Small price to pay to help offset the derogatory tradeline.
Thanks for the motivation and courage to app it early, guys. 
@Fletcher2 wrote:I went for it today, guys, and came in between the two of you—4.39%
It's nearly a full percentage-point higher than I was paying, but at least it's getting reported to the credit bureaus rather than being paid and only showing up as IIB. Small price to pay to help offset the derogatory tradeline.
Thanks for the motivation and courage to app it early, guys.
Great job and congrats!
PS: I wasn't thrilled entering in my monthly payments and payments remaining; I think that was used in their calculus and they held a point on me; they extended the terms out while lowering the monthly payment precisely $100. I bet this wasn't a coincidence.