NFCU V.A. loan 1 year post Ch 7 w/ hardship circumst.
Hello, My husband and I had to file a Ch7 a yr ago due to what V.A. has already deemed to be “extenuating/hardship” circumstances. Our credit was impeccable before and has been impeccable since. We did re-affirm our cars and several accts on credit reports show paid (positive). My husband spoke to NFCU this past June, got the go-ahead from V.A re “extenuating circumstance/hardship” (meaning we only had to wait one yr) to apply for financing & rec’d new COE. NFCU told him to wait till about a week or so before the exact date of filing of the CH 7 (this week) and put in a call to a loan officer. Said loan ofcr. would ask for COE and backing documentation for hardship. He took notes of all this and we’ve been waiting. We called today as we have checked on myFICO as well as NFCU and our scores are in the 680s & 690s respectively. NFCU even sent me a credit card w/ 3K CL, though all I’d was a secured for $200. We were told we could not speak to a loan ofcr until we put in the application, which according to them, we can do “any time”. I worry about pulling credit too soon or too many times. Have any of you folks gone through anything similar with NFCU & have any advice for us? *P.S Neither NFCU nor VA loan on our CH 7 Thank you in advance for any help you can offer