@firemartinez1980 I would first recommend contacting Experian and TransUnion for an early exclusion: EX will allow 3 months before item purge date -and- TU will allow 6 months before item purge date. Then second I would recommend trying Navy Federal Credit Union (NFCU) as they gave my daughter a Mastercard with a FICO score of 577 and 4 adverse items (including a repo). I’m wishing you success in getting the BK purged early and being granted the loan and/or CLIs.
Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
