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NFCU Auto Loan for Post DC BK 13

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Anonymous
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NFCU Auto Loan for Post DC BK 13

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.

Message 1 of 4
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Anonymous
Not applicable

Re: NFCU Auto Loan for Post DC BK 13

I can't answer question 2 but I'm in Virginia and they pull Equifax for everything! I can't say the same thing about other states. Before filing Ch 7 in January, I had NFCU LOC (2015), 2 CC's (2016), and an auto loan I obtained in 2014 (car was paid off in 2016). They pulled Equifax each time and also for any CLI request on the CC's. Good luck to you!
Message 2 of 4
Yeliaba1
Frequent Contributor

Re: NFCU Auto Loan for Post DC BK 13

@ BKSurvivor Congratulations!!   Looks like you’re finishing your BK with awesome scores.

Message 3 of 4
WD2005
Contributor

Re: NFCU Auto Loan for Post DC BK 13

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.

Message 4 of 4
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