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

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  • #31
    What is NADA? i am one week away from discahrge. One month behind at a credit union...2-4 thousand under, no idea what to do? please help.
    blush2:

    Comment


    • #32
      NADA Used Car Guide provides the most market-reflective used vehicle valuation data.

      Originally posted by 2confused View Post
      What is NADA? i am one week away from discahrge. One month behind at a credit union...2-4 thousand under, no idea what to do? please help.

      Comment


      • #33
        Our Credit Union approved us today at 6.24% on a 2007 Saturn for up to 72 months (we're going 48).

        We only need to finance $4,000.

        Capital One approved us online last night. 11.00% for up to 72 months.

        We're taking the credit union offer.

        We turned in a car when we filed Ch. 7 (November 2007) that was a lease. It was reported late and in a Ch. 13. I disputed it in February and it was erased off all our credit reports.

        Per the credit union representative, my credit score is 586 (up from 514 in March) and my wife's is 650 (up from 547 in March). I cleaned up our credit by myself. Really paid off!
        Chapter 7 Filed - 11/27/07
        Discharged - 2/29/08
        Unsecured Debt Discharged - $162k +/- (small business, personally guaranteed)
        Finally Closed - 3/1/09

        Comment


        • #34
          I'm still in "preliminary" BK hell. However, if everything goes as planned I hopefully will be purchasing a used vehicle by the end of the year. In the mean time I'm going to use my motorcycle for everything which I pretty much already do. My thinking is that I will save $$$$ on gas and insurance. After say 6 months I should have a hefty down payment.
          Filed 11/14/13 ____FICO 515
          341 12/23/13 ____FICO 545
          Discharged 03/03/2014

          Comment


          • #35
            CapitalOne AutoFinance

            Date Discharged:5/28/2008
            Lender: Capital One Auto Financing
            Date Applied For: 6/16/2008
            Approval Amount: $27,500
            Interest Rate: 13.25%
            Term: 72 Month.
            12/21/07 Ch. 7 Filing. 1/23/08 First 341 Meeting
            3/23/08 Last Day to Object 4/23/08 Last 341 Meeting
            5/2/08 Report No Asset 6/13/08 DISCHARGED 6/30/08 CASE CLOSED

            Comment


            • #36
              I just filed 6-12 and now today I received from two car dealers letters telling me that I should start rebuilding my credit by buying a car before I'm even discharged. They hint at benefits of buying while in process, but for the life of me I cant think of one benefit to me and not them

              Timing in life is everything in life I guess. Got a p.o.s. 96 Jimmy thats sucking on my wallet (in shop now getting 800 in treatment), fortunately dont drive it too much.
              pa308 (equifax fico 6-21 471) 594 on 3-09 671 7-09
              filed ch7 6-12
              341 7-25
              Discharged and closed 9-24

              Comment


              • #37
                Pa you got that right. I am waiting to hear from my lawyer as to when we should file. I can't think of going back into debt again. I have about 30 years of ghost credit that was in the low 8s high 7s. I really want to worry about the interest rate I am getting not paying.
                Creditors are very willing to lend you money after discharge. Now or for at least the next 8 years you have no protection. They will get that money one way or the other. My lawyer should me some offers her discharged clients have gotten I was amazed. You are better pray now then before BK.
                Chapter 7 07/30/2008
                341 09/17/2008
                Discharge 11/21/2008

                Comment


                • #38
                  Three weeks after discharge:
                  Got a brand new 2008 Ford Escape with Wachovia @ 11.9% APR.
                  Term: 72 mos. but will trade after 36 months.

                  Two weeks later bought my 2006 BMW at end of lease with
                  BMW Financial Services @ 2.9% APR.
                  Term: 36 months

                  Comment


                  • #39
                    Date Discharged: 8/12/08
                    Lender: Cap One
                    Date Applied For: 8/15/08
                    Approval Amount: $35,000
                    Interest Rate:9.9
                    Term: 72 months

                    Not using the whole line but wanted to see what kind of offers are out there!
                    Filed ch7 on 5/1
                    341 went smooth on 6/10
                    8/12 Order discharging debtor
                    8/26/2008 CASE CLOSED!!!

                    Comment


                    • #40
                      Originally posted by itcaughtup View Post
                      Date Discharged: 8/12/08
                      Lender: Cap One
                      Date Applied For: 8/15/08
                      Approval Amount: $35,000
                      Interest Rate:9.9
                      Term: 72 months

                      Not using the whole line but wanted to see what kind of offers are out there!
                      Wow, that's really frustrating to read. We applied about a week ago and were flat out denied. We don't have any charge offs or even any lates on our report. Only blemish is the BK.
                      Filed Chapter 7: 3-22-08
                      341 Meeting: 5-15-08 It went great!!!
                      Last day for objections: 7-14-08
                      Discharged and Closed: 7-21-08

                      Comment


                      • #41
                        Originally posted by itcaughtup View Post
                        Date Discharged: 8/12/08
                        Lender: Cap One
                        Date Applied For: 8/15/08
                        Approval Amount: $35,000
                        Interest Rate:9.9
                        Term: 72 months

                        Not using the whole line but wanted to see what kind of offers are out there!
                        Originally posted by trytosavemyself View Post
                        Date Discharged:5/28/2008
                        Lender: Capital One Auto Financing
                        Date Applied For: 6/16/2008
                        Approval Amount: $27,500
                        Interest Rate: 13.25%
                        Term: 72 Month.
                        are both of these for brand new cars? Maybe that's my problem! LOL
                        Filed Chapter 7: 3-22-08
                        341 Meeting: 5-15-08 It went great!!!
                        Last day for objections: 7-14-08
                        Discharged and Closed: 7-21-08

                        Comment


                        • #42
                          Mine was for a pre-owned 2007..
                          Filed ch7 on 5/1
                          341 went smooth on 6/10
                          8/12 Order discharging debtor
                          8/26/2008 CASE CLOSED!!!

                          Comment


                          • #43
                            Originally posted by itcaughtup View Post
                            Mine was for a pre-owned 2007..
                            Maybe that's our issue...we're looking at 04's....I think I read somewhere that financing for new vehicles is easier to get.

                            Thanks!
                            Filed Chapter 7: 3-22-08
                            341 Meeting: 5-15-08 It went great!!!
                            Last day for objections: 7-14-08
                            Discharged and Closed: 7-21-08

                            Comment


                            • #44
                              Emailed Capital One Blank Check and got approved for 18500.00. Interest rate depends on year model car you are buying. Only stipulations were it had to be newer than 2001 with less than 71k miles.

                              Discharged Chapter 13 the first of July and two weeks later started getting letters from every dealer in my state wanting me to buy a car. We are buying a newer car to rebuild our credit.

                              Comment


                              • #45
                                I will say that the dealership WILL try and bump your rate because they know you expect to pay higher rates, be sure and shop around.
                                Filed ch7 on 5/1
                                341 went smooth on 6/10
                                8/12 Order discharging debtor
                                8/26/2008 CASE CLOSED!!!

                                Comment

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