I have a chapter 7 that was discharged in march this year. I decided to keep my vehicle and reaffirm my loan with WF. Current balance is about 24.5k at 5.8% and I am looking to refinance if possible.
I've had my WF loan for about year and a half now.
Does anyone have data points and/or recommendations about refinancing with Penfed or another CU that they can share?
I do not quality for Navy Fed.
Since my BK discharge was recent, should I wait before I try? If so, how long?
Does anyone know what score/bureau Penfed pulls for auto?
