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Who did you refinance with besides Cap1 after BK? What rate did you get? Was wondering if anyone has found an auto re finance company that is BK friendly?
Yes sorry I did mean auto loan. I will fix origional. Thank you
$500 Secured card from OpenSky
$1000 non secured card from Mecury Visa
$500 Secured card from NFCU
$500 Pledge secured loan from NFCU
$250 12mo. Deposit certificate NFCU
$500 Self lender secured loan (took out pre NFCU)
FICO scores very low 600's
2 months discharged is most likely too soon for refinancing to be a viable option.
Sit tight . .don't open ANY more accounts for 6-12 months, practice AZEO, and then revisit.
@Anonymous wrote:2 months discharged is most likely too soon for refinancing to be a viable option.
Sit tight . .don't open ANY more accounts for 6-12 months, practice AZEO, and then revisit.
I would echo this advice honestly. To a lender your agressive rebuild looks like you are seeking credit right after a BK. Sit tight
@ballysdad wrote:$500 Secured card from OpenSky
$1000 non secured card from Mecury Visa
$500 Secured card from NFCU
$500 Pledge secured loan from NFCU
$250 12mo. Deposit certificate NFCU
$500 Self lender secured loan (took out pre NFCU)
FICO scores very low 600's
That is A LOT of new credit so soon after BK. As others said, don't do anything for a while.
Maybe join a local CU, build a relationship with them, and get an auto loan through them in 12 months, maybe less.
I did join 2 credit unions to build a strong relationship. I took the secured loans with them to establish payment history. I have been aggressive with the credit cards early to start aging right away. I figured if I get them all early then I would get the 3 credit and 1 installment loan out of the way. I will take everyones advise and sit back and let time pass.