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Refi after chap 7

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Refi after chap 7

We had a chap 7 discharged the end of dec 2018

We let our car go and got a brand new one we will run to the ground. It is at a 12.1% interest with capital 1

We have paid our CCs and auto loan on time every month and just applied at NFCU to try to lower the interest rate

They came back at 8.29% for 72 months
OR
6.29 at 60 months

We really want to try to get the interest as low as possible and leave much of our credit alone to build for a mortgage.

Currently my hubbys score sits at about 685 and mine is about 703.

Is there anywhere else that accepts people fresh out of chap 7 that is worth applying at to see if we can get better rates?
Car is a 2018 with just over 10k miles on it now. (If that matters)
Chap 7 discharged 12/2018
Car loan 12/2018 Refinanced 8/2019
Capital one QS 750 1/2019
NFCU Nrewards 2k 2/2019

CURRENT FICO9 Equifax 695

Hubby is on same car loan and Chap 7
Capital 1 platinum 500 1/2019
NFCU Nrewards 2k 1/2019

CURRENT FICO9 Equifax 627 (just updated 10/16)
1 REPLY 1
Frequent Contributor

Re: Refi after chap 7

DCU requires 2 years post discharge.

I think you have a decent offer at 6.29% for 60 months.

 

You can alway refinance again.

Message 2 of 2
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