Was told by a rep today during a partial application for an auto refi that they do not have any lenders that refi for anyone that has a bankruptcy in the last 12 months. And very few that would consider the application with a bankruptcy in the last 24 months. I was soooo tempted by the credit karma recommendation that I provided my social security number for a soft pull and mentioned the bankruptcy in conversation. Extremely thankful for the rep who shared the info before I allowed them to hard pull (potentially numerous times). Current FICO arnd 640 per this forum. Hope this helps! And Happy rebuilding!
