Auto loan with unpaid judgements?

[FicoNoobiski]

Has anyone gotten an auto loan with unpaid judgement(s) in their credit file?

[superdad]

How long ago was it? Whats your scores now?

[FicoNoobiski]

Judgements are 5-6 years ago.  Scores are in the low 700s.

[carmenah]

Have you tried to apply?

[FicoNoobiski]

No, not yet.  I am wondering if anyone has tried and gotten approved?

[coterotie]

My wife was approved for $45K from Cap 1 with a 610 fico and an unpaid judgement at a 5% rate about a year ago.  The approval ran out, so we had to start again, because the first one incurred a hard pull and the second one did as well they increased the rate to 6.5% because of too many inquiries (their's was the only inquiry!) we declined the loan and are waiting for it to age off.

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@FicoNoobiski wrote:

No, not yet.  I am wondering if anyone has tried and gotten approved?

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[FicoNoobiski]

If you don' t mind sharing some of the details, such as her income, any down payment, cosigner and the amount of judgement.  Or I can private message.

[coterotie]

income 100k+, nothing down, no cosigner, judgement of 12K with an 10K balance

[6speed]

I got approved last year (score around 500; income in the $30-40k range) several, large active collections, but no judgments. You've got a good 200 points on my previous score. Active judgments or not, you'll likely be approved - but it may not be the prettiest of interest rates.