I'm looking for info on getting an auto loan post BK CH 13 with NFCU. I tried looking thru old threads but couldn't find the following :
1) Which CRA do they use?
2) Is there a firm requirement to have 6 mos post discharge before they approve?
We are about to receive our discharge in about 20-30 days (rough estimate). Currently our credit scores are high 600s - low 700s BEFORE full discharge, so I expect to see a small/modest bounce post DC. We didn't have an account with NFCU, so I'm hoping this might help us as well. I opened a savings account with NFCU nearly 30 days ago so hopefully that helps as well.
I know someone who was able to get an auto loan from NFCU, while in Chapter 13 (with 4 payments remaining) without a hitch. No co-signer, no request for trustee approval. 670s EQ score. I'm not suggesting anyone go that route. Just telling what I know.