Valued Contributor
Posts: 2,103
Registered: ‎07-12-2012
Re: NFCU auto loan question..

hrguy wrote:

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 :smileyhappy:

Thanks you again for all this great information! Congrats on that approval, its great! I want to go used for around $10k-$13k so I wont be getting any great special intro rates like that!! Hopefully I can find a decent lender but if not now I know to refi with NFCU soon after :smileyhappy:   Now lets just hope and cross our fingers that they still unsecure cards!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom