Hey guys,
So during my bk I surrendered my lease I had with Acura since I was over mileage limits and thought it'd be for the best. Yesterday I was approved for and purchased a used vehicle and was financed through Capital One. I did their pre qual online a few weeks back and had been searching for cars and dove in when finding the right one.
Below are the details for those interested and I definitely will be looking to re-finance once scores improve!
APPROVING BANK: CAPITAL ONE
BUREAU PULLED: EXPERIAN
CREDIT SCORE: 527
SOFT PULL/HARD PULL: SOFT PULL FOR PRE-QUAL, HARD FOR DEALERSHIP APPROVAL
CUSTOMER STATE OF RESIDENCE: CALIFORNIA
NEW/USED: USED
YEAR OF VEHICLE: 2015
MAKE: ACURA
MODEL: TLX V-6 TECH PKG
MILEAGE: 34,600
FINANCE/LEASE: FINANCE
PURCHASE PRICE: $19,000
AMOUNT OF LOAN: $20,252
TERM CONTRACTED: 72 MOS
APR/LEASE RATE: 14.70 %
MONTHLY PAYMENT: $428
ANNUAL INCOME: $35,000
DEBT TO INCOME RATIO: 12%
MISCELLANEOUS COMMENTARY: BK CHP 7 DISCHARGED NOVEMBER 2018
On the road to a positive rebuld!!!!
Current scores:
TU:532
EQ: 578
EX: 547
