I will say thats a ton of inq's. It may hamper a newer car. I am a firm believer of reafirmation. I know many will say dont do it. I did it and I feel it helped my rebuild after DC. Cap1 didnt report during the BK. But did report after the DC. I had 13 payments left and it was paid in full. You drive that far for work? Holy smokes. I moved out of Palm Beach County 9 yrs ago. Had enough of the traffic and too many people. Love it up here in central florida. 85k miles isnt a lot of miles for the all the highway driving you do. Less wear and tear than stopping and starting.
It's best to wait up to 60 days after DC to make sure all is correct. I would check myself no matter what the lawyer says that everything say IIB and 0 balance. But those inq's stop at 35 counting against you from DP's on the forum. If most were used for car shopping in I think a 30 day period it only counts as 1 on your score, But. UW's see them and some dont care. I would keep the car and let those inq's fall off. They stop dinging FICO after 1 yr and will fall off your CR's in 2 yrs. Yeah everyone wants a new car. Its rebuild time. The higher your score the less interest paid down the road. (pun intended).
If I have a car next to me at a trafic light. It doesnt bother me what it is or whos driving it. Unless its a hooptee held by duct tape. Let time be on your side. I vote to get those inq's down. And keep the car. It will help build more credit than turning it in like I give up because i want a new car. Good Luck.
