I tried the Cap 1 auto navigator a couple weeks ago and did not like the offers, which varied from 11% on up and unknown for others. I am waiting for the 30 day offer to age off so I can try again for a better rate.   MY CU won't give me a loan until I get a card first and 6 month wait. I need to get a car no later than august, preferably sooner. I will be wuiting my job soon after and moving.   Which scenario should I choose?     1) apply for card now, then repply for auto after first approval ages off   2) :wait for approval to age off first, then apply for card, then another auto approval   3)) wait for approval to age off first, then apply for another auto approval then a CC   I am confuised how people quote a single interest rate. I had to go to participating dealerships after choosing the vehicle I want. Each one had a different rate.   Also, I want to buy a car at a local dealership which isn't on their list. Don't they allow that? It's cheaper and hundreds of miles closer. ... View more

Let's say I had about 9 student loans. All of them in default and I was just discharged from BR.   Two of the newer ones only a few years old had gone to collection. They now say charged off and don't report on Navient. Does that mean they were disrcharged? They were my two smallest ones. ... View more

I think its been about 3 weeks since discharge.   I hit the Cap1 auto-navigator button a few days later. I can't remember exactly the offer. It was for $22K and the interest rate only showed if I selected a car. Some where 11%, most higher or did not show, or it said I had to ask at dealership.   I am waiting 2 more weeks for that offer to end so I can retry and hope for better. My vantage scores are 500 and a bit higher.   1) how long will it take to get a better offer, I can't wait long? 2) should I try to pre-qual for a card before an auto loan? 3) who do they pull? ... View more

Could someone please share the link? TIA ... View more

Even though most of my SL are with Navient, not all are showing in BR. I think 2 are turned over to collections. Not sure which are not showing BR, but I remember 2 don't.   WIll that hurt me after BR if they don't fix it? ... View more

I injured myself 2 years ago which has caused many other things to awaken in my body, including extreme arthritis and the need for a new hip. I can't miss work with no pay and I have no one to care for me so I can't get a new hip at this time. Every medical procedure made a new account which went to collection.  Since then 3 CC have been discharged.   The straw that broke the camel's back was when my 2011 F-150 was in for a tune up and the motor went out when there. The extended warranty is covering the new motor that is on a 2 month backlog, but I'm stuck with an extra $500 and no rental longer than 4 days, and at least 3 months without transportation. No family, and only 1 friend who can take me temporarily to work.I don't wish to reaffirm this vehicle that might be valued at $17K, but I owe $22K. I need an economy car.   Even though I use a cane and can't walk more than 1.5 blocks, I bought a 3 wheel bike and pedal 4 miles one way to work. When I've tried in 100 degrees heat to pedal home my back went out and I can't work the next day. I am barely holding on. In a few months we will have snow, then I can't get to work at all.   Forseeing Chapter 7 in the near future I went to the CU 1 block from my house and asked for an auto loan. They told me I am a good candidate for bankruptcy!   I'm trying to get my ducks in a row to file. It is hard to do without transportation!   My first concern is that my score might not recover for a long time after discharge because I haven't paid on 3 CC for about a year and they have charged off already. And my medical bills have all gone to collections. I have maybe 12 student loans that I haven't paid on since deferment ended in April.   I owe about $40,000 student loans and about $50,000 otherwise, not counting my home, which I wish to retain and have a little bit of equity. I am trying to finish repairs and sell it, quit my job, then apply for disability. I am fortunate to have a union job and not lose it during this time, even though I am barely holding on. I am giving all to my job (about 70%), but can't function at home but about 40%. Can't consistenly pay bills or take meds or anything. I just can't do what I could do 2 years ago. I am almost 61.   Believe it or not, I know more than average about credit (been on these boards for several years), understand a lot about bankruptcy, and a lot about student loans and disability. Just thought I'd add that before someone gives me any adviced or tells me I can't get on disability or get rid of my student loans.   I just don't see how I can hold out and recover to get a car loan (that isn't insane % interest) to maintain my job until my house is ready to sell.       ... View more