Advice for getting 1-2 cars

[apay]

We're about to have ch 7 discharged any day. We have Wells Fargo loan we included and sontheyre going to take vehicle as soon as that happens. We need 1 to 2 cars but don't want to pay too high rate or payment and get into same situation. Any advice on what we should do? Planning to follow steps to get score to 700.

[Anonymous]

Quick tips:

- Waiting until after discharge is typically best

- Repo may not happen immediately ... or ever. Try to get a sense from Wells Fargo what their plan is.

- The 700 in 24 months guide is good. If you need a quick increase in your score, you MAY benefit from doing a secured loan/card with low balances vs. limit, and the shopping cart trick for additional available credit

- If Wells Fargo doesn't repo your vehicle (too expensive for what they'd get at auction, after repo fees), consider offering cash to buy out the vehicle. 

- If purchases, check out Capital One Auto Finance -- no hard inquiry to know if you can get preapproved.

[Anonymous]

You can also check Carvana, they SP your credit and you order the car and they do all the work and drop your car off. 

[Anonymous]

CarFinance.com is another good option.