topic 3 month post discharge update in Bankruptcy

3 month post discharge update

Newbie2018 — Sat, 10 Sep 2022 23:14:52 GMT

it's been a journey for sure. Does anyone know how long I'll have to wait to refinance with regional acceptance? Also was wondering if pen fed would be a go to refinance?
i was able to get a new car at 10.99 interest via regional acceptance.

i have a total of 5 cards lowest $600 highest $3500. (In the garden now)

22 in TU, 7 on both EX and EQ. 3 of those will fall of this month. It's been a journey as I said but I'm finally back to my old self where I'm not so anxious anymore. My fico 8 scores are now ranging from 615-637.

Re: 3 month post discharge update

FireMedic1 — Sun, 11 Sep 2022 10:29:24 GMT

Give it a little more time like a year out. Hit up PENFED for the refi. Your still really fresh out of BK for now. 10% isnt bad considering what I got with mailers after DC with my reaffirmed truck. Build a longer relationship and the chances will be much higher for approval. The fire is out. Smoke needs time to clear out.

Re: 3 month post discharge update

SUPERSQUID — Sun, 11 Sep 2022 11:49:52 GMT

@Newbie2018 wrote:
it's been a journey for sure. Does anyone know how long I'll have to wait to refinance with regional acceptance? Also was wondering if pen fed would be a go to refinance?
i was able to get a new car at 10.99 interest via regional acceptance.
i have a total of 5 cards lowest $600 highest $3500. (In the garden now)
22 in TU, 7 on both EX and EQ. 3 of those will fall of this month. It's been a journey as I said but I'm finally back to my old self where I'm not so anxious anymore. My fico 8 scores are now ranging from 615-637.

bk7 or bk13 ?

Re: 3 month post discharge update

Newbie2018 — Sun, 11 Sep 2022 13:52:02 GMT

@FireMedic1 wrote:
Give it a little more time like a year out. Hit up PENFED for the refi. Your still really fresh out of BK for now. 10% isnt bad considering what I got with mailers after DC with my reaffirmed truck. Build a longer relationship and the chances will be much higher for approval. The fire is out. Smoke needs time to clear out.

No doubt a good rate, I had to shop around because initially I was getting interest rates of 17-22%. My goal is to get to single digits soon of course. I was hoping capital one would let me back in but their prequalified kept telling me "nope"

thanks for the advice ❤️

Re: 3 month post discharge update

Newbie2018 — Sun, 11 Sep 2022 13:52:23 GMT

@SUPERSQUID wrote:
@Newbie2018 wrote:
it's been a journey for sure. Does anyone know how long I'll have to wait to refinance with regional acceptance? Also was wondering if pen fed would be a go to refinance?
i was able to get a new car at 10.99 interest via regional acceptance.
i have a total of 5 cards lowest $600 highest $3500. (In the garden now)
22 in TU, 7 on both EX and EQ. 3 of those will fall of this month. It's been a journey as I said but I'm finally back to my old self where I'm not so anxious anymore. My fico 8 scores are now ranging from 615-637.
bk7 or bk13 ?

Chapter 7

Re: 3 month post discharge update

FLLGuy — Tue, 13 Sep 2022 21:05:27 GMT

General consensus around here is that Penfed won't smell your cologne and talk to you until 1yr or 1.5yrs post discharge. I'm living proof of that.