I am in both systems but I did include the banks that I owe in bk. The accounts were overdrawn and closed. I plan on paying NFCU off ($1100) since that's the only way I will be able to get my account back with them, but how can I clear up the other accounts or have them removed from the systems?
Also, I already have a mortgage, so I am really working towards another vehicle. Even though I am going to pay NFCU off, does anyone think I have a chance of going through them for an auto loan (once my credit is better)? If so, how long should I wait to apply? TIA