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45 Days Post DC Update!!

Auto Loans for ANY Credit Situation. Immediate Response.
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Established Member

45 Days Post DC Update!!

Once again, thank you all for your replies and posts as I would be clueless without all the BK help. It is not everyday that you file for BK and the help is appriciated. 


I discharged on 7/15/18 so I'm right around 45 days post DC. 


Denials : Walmart (Sychrony), Discover (Pre-qual denial), Overstock, Express (Commenity), PenFed....I think that is all. 


Now on to the good news!

Approved for... 

Target $200 SL 

Kohl's $300 SL 

Cap 1 $300 - CLI > $400 after third monthly paymet. (I got this card before Discharge as they sent me an offer and my attorney approved).

Cap 1 Auto Loan for $10,645 @ 8.1% for 72 Months. (First Vehicle I've bought for price and not features..I'm learning)


I'm very happy with my results thus far and will update everyone when things change!

Established Contributor

Re: 45 Days Post DC Update!!

Congratulations on your progress! You have every right to be proud!
Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 2 of 6
Valued Contributor

Re: 45 Days Post DC Update!!

What was your score pulled when you got the auto loan if you don’t mind me asking?
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
Message 3 of 6
Established Member

Re: 45 Days Post DC Update!!

The FICO they pulled was 617. My FICO scores range from 592-630 depending on what you're looking at. I still have a little cleanup to do on my reports. Smiley Happy 

Message 4 of 6
Community Leader
Super Contributor

Re: 45 Days Post DC Update!!

Congrats on your success so far! I would join Penfed, and in like 6 months refi that card loan you have currently. Your off to a good start!

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 5 of 6
Established Contributor

Re: 45 Days Post DC Update!!

Congratulations! You’re making great progress. I won’t be discharged until November, so these updates are good to see. Keep up the great work.
8/22/18: BK7 filed EXP 490 TU 430 EQ 429
11/28/18: BK7 discharged EXP 586 TU 578 EQ 527
08/27/19: EXP 649 TU 671 EQ 661
Message 6 of 6
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