Hey guys just wondering best situation for me got a 19.62% fresh out of Chap 7 BK in May 2014 Been making double payments almost every month since i bought my 2013 dodge dart still owe about 13.9k on it I not only want a lower rate now that im almost a year out but maybe a little bit of an upgrade would i be approved for something in the 25-30k mark at hopefully half the rate. i have had high usage on my new CC's but now down to about 40% plan to be down to 0-10% within the month. Income is 41k 621 eq 623 TU 633 ex dont plan to pull the trigger till may so should be a bit higher thanks for the help! Scores are from myfico following bk to 700 and current loan is with Cap one would really like to stick with them if they can get me a decent rate.
