I am currently one year post chapter 7 discharged. Have 2 auto loans with Capital One at 10.1% and 9.25%. Scores range from 655-672 according to myfico.com. DCU and NFCU IIB so they aren't options. Tried Penfed, they said no. Local credit union said no. 6 figure income, looking for national CU options that might consider refinance.