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Who were approved through post BK and some details...

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  • Date discharged: January 2011
    Lender: Golden One
    Date applied: December 2011
    Approved $7500 (indicated could be more if I wanted)
    Interest rate: 3.99%
    Term: 24 months

    Comment


    • msm~
      Golden one Credit union is a great bank. When I lived in California I used to bank with them. I loved them. Congrats.

      Originally posted by msm859 View Post
      Date discharged: January 2011
      Lender: Golden One
      Date applied: December 2011
      Approved $7500 (indicated could be more if I wanted)
      Interest rate: 3.99%
      Term: 24 months

      Comment


      • Date Discharged: 01/06/2011
        Lender: NuVision FCU (through Fleet Financial via lendingtree.com)
        Date Applied For: 02/28/2012
        Approval Amount: $21,560
        Interest Rate: 9.32%
        Term: 72 months

        Loan was Refi. Previous loan was 7 months old at 18.24%.
        Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
        FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
        FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

        Comment


        • Congrats you did it.!!!! Aren't you thrilled?????

          Comment


          • Originally posted by basketsbears View Post
            Congrats you did it.!!!! Aren't you thrilled?????
            Oh, absolutely! The he** I am...
            Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
            FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
            FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

            Comment


            • Datee Discharged: 07/16/2011
              Lender: FAA Credit Union
              Date Applied For: 03/15/2012
              Approval Amount: $19,000
              Interest Rate: 2.9%
              Term: 60 months

              OMG - couldn't believe it when I received the phone cap. I applied online at lending tree, capital one and somewhere else. Each were denied!.
              When bk was discharged, my credit score was 515...today it is 657.

              Bk was honestly THE best financial decision I ever made. There is life after BK! Don't give up!

              Comment


              • Congrats Cameron. I am thinking of waiting about 12 months before refi
                Ch 7 filed 8/15/11 341 9/22/11 Discharge 11/28/11
                The rebuilding begins

                Comment


                • Datee Discharged: 5/17/12
                  Lender: Capital One
                  Date Applied For: 5/18/2012
                  Approval Amount: $24,000
                  Interest Rate: 14.6 Term: 72 months

                  Not the best rate but one day after discharge I can't complain. Not going to buy a car anywhere near $24,000 though. Hope to refiance whatevefr I buy after a year or so.

                  Comment


                  • Date discharged: June 30, 2011
                    Lender: Ally
                    Date applied: May 10, 2012
                    Approved: $14,700
                    Interest rate: 10.3%
                    Term: 72 months
                    2/23/11 - Filed notice to convert from Chapter 13 (1/13/10) to Chapter 7
                    4/4/11 - Meeting of the creditors
                    6/30/11 - Discharged!!!!!!

                    Comment


                    • Date Discharged: 4/26/2011
                      Lender: Capital One
                      Applied Date: 5/20/2012
                      Approved Amount: $26,400
                      Rate: 3.86%
                      Term: 66M
                      Stopped charging 6-1-10 - Filed 1-25-11 - 341 2-24-11 - Discharged 4-26-11 - Closed 4-29-11
                      Any opinion I give is strictly that! I am not a lawyer.

                      Comment


                      • That's an impressive rate for just over a year out. Do you mind sharing Income, credit score, sale price, and amount down?
                        Chapter 7 Filed 1/4/11
                        Discharged No-asset 4/1/11
                        And definitely NOT an attorney.

                        Comment


                        • I agree with you Snax. Sometimes I'm blown away by the terms some people get. Income level and current FICO score must play a major role. I can see that some people may have reservations about posting salary.. but then again, no one knows who you are directly here.
                          Retained Lawyer: 04/2009 Filed: 09/2009 341 Meeting: 10/2009 Discharged: 12/2009 Asset: 05/2010 made asset Closed: 07/2013 after 47 long months

                          Comment


                          • I got approved in January for a new 2011 Toyota Prius Three. I couldn't get the zero percent financing but I did get 6% which isn't as bad as I expected.

                            Comment


                            • I haven't even decided on a vehicle. I just thought I'd see what I could get. We re-affirmed our car at BK with a 7.09% loan, but it's not helping my credit. We have about $3,000 equity in it.
                              Loan is for me only and my income is around $60k. Was six figure prior to BK.
                              FICO was 652 at beginning of year, prior to going back to work. Not sure now.
                              Stopped charging 6-1-10 - Filed 1-25-11 - 341 2-24-11 - Discharged 4-26-11 - Closed 4-29-11
                              Any opinion I give is strictly that! I am not a lawyer.

                              Comment


                              • Did not get a great deal straight after bk, had to buy a new car as mine was 15 years old on last legs. Dealer swindled us by getting us a 08 Pontaic G6, 10% interest which wasn't so bad considering it was days after dischrage but the car price was horrible. This past weekend, traded it in for Brand new Chevy Malibu 0% for 60 mos! Had to throw in some negative equity there but with the interest savigns we are in a much better place now not to mention 0 miles rather than 50k. Very thrilled with Ally bank for giving us a chance~!

                                Comment

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