Christian Community Credit Union : Auto Refi @ 6.75% (CH7 Discharged 06/06)

gacreditguy · 06-08-2007, 03:27 PM

Hi all..

I wanted to share some news with you.. A very wise man told me that there IS life after BK and I would see it IF i chose to look in the right places.

I surrendered my car in my BK that was discharged last June and do not regret it at all. I was approved in Oct 06 for a Cap1 Auto Loan for 10.95%. Pretty good huh?

It gets better!! I was searching online and reading aother forums and located Christian Community Credit Union (www.mycccu.com) and after reading all of the rave reviews from others on them, I decided to apply. I was approved for a $2500 Platinum Card and also got my car refied for (GET THIS) 6.75%..

I have not done a lot to repair anything since rec my discharge.

Do fall prey to these loan sharks who want to give you 17%+ interest rates. That is killer and so hard to ever get out from under.. Do your research, I did and it was worth it..

**Minnymouth** · 06-15-2007, 09:21 AM

Hello GaCreditGuy, great to hear from you.

Glad to hear things are going well for you and that now you can see that shining light at the end of the tunnel.

Yes, there is life after bankruptcy, and it is SWEET...............

Minny

craigerzz · 08-06-2007, 02:36 PM

So far I've have had a great experience with christian community credit union. I applied for the visa and was approved and did a balance transfer of my hooters card, reducing my interest rate from 26% to 10%, yeehaw!

I'm also in the process of trying to refinance my cap one auto loan through them. They are very easy to deal with and very helpful. I highly recommend them and wish to say thanks for putting there information on here, this site is always worth a look and the information I've got off of here has helped reestablish my credit very fast!!

Craigerzz

CindyLou · 08-09-2007, 10:09 PM

Hi Craig,
Just curious if you heard back from the credit union on your loan and the credit card? I'm about to apply....let us know!!

craigerzz · 08-09-2007, 11:59 PM

Got approved for the visa at 10.99% and no fees! Still waiting on the decision on wether or not the auto refi is approved or not, i'll let you know.

CATCHMEIFYOUCAN · 08-10-2007, 01:07 AM

Hmmm ...

IM IN !

Will let you all know what I made out with.

Catchmeifyoucan !

CindyLou · 08-11-2007, 01:39 PM

I called and talked to the loan dept. She said they give a weighted total to your credit score, debt to income ratio, and your recent credit history. Said its not just a computer deicison, but a real person decision. I'm waiting another week because we just paid off a few accounts that had balances on them and I want to make sure they reflect zero balances before the application goes through. So I guess I'll apply for the credit card and shoot for the low interest car loan and try to refi my cap one car loan thats at 10something? If I can get the credit car with a high limit I'd love to just close all the others and simplify my life a bit. I know it might lower my score a bit but then I wouldn't need to be applying for ANY credit any time soon, so it wouldn't really matter. I could just sit tight for a few years and not worry about it. I would be a happy camper if I could make out like Gcamperguy...only maybe with a little higher limit on the card.....hopefully, we'll see. I'll be curious to see how you make out, catchme, let us know asap!!
cindy

CindyLou · 08-15-2007, 09:22 AM

hey~ any news, gacreditguy or catchme???

CindyLou · 08-21-2007, 08:53 PM

update: I applied online this weekend and called to check my status today. They said they had 300 apps this weekend for some strange reason and they are way behind in processing. ...........weird.....anyway...we'll see.

CATCHMEIFYOUCAN · 08-22-2007, 02:37 AM

I'm still debating.

Catchmeifyoucan

CindyLou · 08-22-2007, 10:11 AM

I'm still waiting, the suspense is killing me. The 6.75% refi would make a huge difference for me. It sounds too good to be true. We'll see. They also have a balance transfer special. If you apply now and transfer now its 3.9% for 18 months. If you apply now and transfer after 60 days its 2.9% for the life of the balance. Hmmmmmmm...could it be???? I could transfer my small personal loan and my treadmill. Hopefully they get back to me soon. I have had perfect credit since before my BK. No lates...NOTHING!!! I read some weird stuff on creditboards about their approval process, but I'll remain hopeful.

**BassBoy** · 08-22-2007, 05:57 PM

Quote:

Originally Posted by gacreditguy

Hi all..

I wanted to share some news with you.. A very wise man told me that there IS life after BK and I would see it IF i chose to look in the right places.

I surrendered my car in my BK that was discharged last June and do not regret it at all. I was approved in Oct 06 for a Cap1 Auto Loan for 10.95%. Pretty good huh?

It gets better!! I was searching online and reading aother forums and located Christian Community Credit Union (www.mycccu.com) and after reading all of the rave reviews from others on them, I decided to apply. I was approved for a $2500 Platinum Card and also got my car refied for (GET THIS) 6.75%..

I have not done a lot to repair anything since rec my discharge.

Do fall prey to these loan sharks who want to give you 17%+ interest rates. That is killer and so hard to ever get out from under.. Do your research, I did and it was worth it..

Were you able to shorten the term of your loan or at least refi with the number of months remaining on your Cap One loan.

God to hear from you again. Keep us posted.

CindyLou · 08-23-2007, 05:08 PM

Got a call back today. Seems they usually don't approve anything...loans, credit card, anything...if you are in chex systems. Well, I have one small thing from my before my-bk that I paid off after my bk (setteld for less than 50 or so) for $178, even though it shows as paid. It was actually a couple of debits that came through on a closed acct after I moved and didn't get the notices. Anyway this is from 2005. She said the BK wasn't a problem. They are going to give me a call back in a few days. Hopefully I'll at least be able to refi that vehicle. Weird that such an insignificant seeming thing would come back to bite me. Oh, well maybe it will all work out and I'll keep you posted. They were really really nice and seemed to want to work with me. She wasn't complimentary on my credit history since my BK, so that made me feel very good!! I had tried to dispute off chex systems but they wouldn't remove it cause the orig amount was over 100.00. ugggghhhhh

sara4 · 08-23-2007, 05:26 PM

Well I must admit I read all the post concerning cccu and decided to apply this weekend for a checking and savings. I was disapproved because at the time chexsystem was still showing accounts I had that was part of my bk. Well, on Monday I got letter from Chexsystems saying everything was removed, I didn't believe it but I called anyway and was told nothing was listed and that everything was removed. I had faxed them my bk petition a few weeks before my discharge and they sent out notices to each bank. Those accounts were well over $100 but they were removed and I now have a new checking account with Navy FCU. Funny thing is I emailed CCCU letting them know, and I also reminded them that they are supposely a Christian CU so whatever happened to "FORGIVE US OUR DEBTS AS WE FORGIVE OUR DEBTORS"!!! Needless to say I didn't get a response from my email, and was wondering could it have been because I put a PS I forgive you at the end. LOL :-) Anyway, I don't need them and I'm excited to have NFCU since I know they have some of the best rates around and I can rebuild my credit through them. Just goes to show how no matter how Christian they are Business is still BUSINESS!!! Best of luck to you all hopefully you'll get to refi

Sara4

NYCountry · 08-30-2007, 02:01 PM

Does anyone know which credit reporting company they use? I am in the midst of clearing all three reports of stuff that should have been dealt with years ago right up until now and I am not finished with at least one of the companies.
Thankee.

06-08-2007, 03:27 PM	#1
gacreditguy Registered User B/F Newbie Join Date: Feb 2006 Location: Alpharetta, GA Posts: 154	Christian Community Credit Union : Auto Refi @ 6.75% (CH7 Discharged 06/06) Hi all.. I wanted to share some news with you.. A very wise man told me that there IS life after BK and I would see it IF i chose to look in the right places. I surrendered my car in my BK that was discharged last June and do not regret it at all. I was approved in Oct 06 for a Cap1 Auto Loan for 10.95%. Pretty good huh? It gets better!! I was searching online and reading aother forums and located Christian Community Credit Union (www.mycccu.com) and after reading all of the rave reviews from others on them, I decided to apply. I was approved for a $2500 Platinum Card and also got my car refied for (GET THIS) 6.75%.. I have not done a lot to repair anything since rec my discharge. Do fall prey to these loan sharks who want to give you 17%+ interest rates. That is killer and so hard to ever get out from under.. Do your research, I did and it was worth it..
	Thanks, GaCreditGuy ------------------------------------------------------ BK7 Filed : 01/29/2006 341 Completed : 03/06/2006 Deadline For Objections: 05/05/2006 Discharged : 06/30/2006 Case Closed : 06/30/2006

06-15-2007, 09:21 AM	#2
Minnymouth Super Moderator B/F Guru Join Date: Sep 2004 Location: Around the Corner Posts: 5,520 Blog Entries: 1	Hello GaCreditGuy, great to hear from you. Glad to hear things are going well for you and that now you can see that shining light at the end of the tunnel. Yes, there is life after bankruptcy, and it is SWEET............... Minny
	Minny "It's amazing the paths that our feet sometimes follow in life". My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

08-06-2007, 02:36 PM	#3
craigerzz Registered User B/F Newbie Join Date: Sep 2005 Posts: 57	Great Credit Union! So far I've have had a great experience with christian community credit union. I applied for the visa and was approved and did a balance transfer of my hooters card, reducing my interest rate from 26% to 10%, yeehaw! I'm also in the process of trying to refinance my cap one auto loan through them. They are very easy to deal with and very helpful. I highly recommend them and wish to say thanks for putting there information on here, this site is always worth a look and the information I've got off of here has helped reestablish my credit very fast!! Craigerzz
	09/20/2005 Purchased Form7 software and started listing debts 09/27/2005 About 80% done with the paperwork. Goal is to file next week on 10/03/05 10/03/2005 Filed chapter 7 bankruptcy with the western district in washington state! 10/10/2005 Received notification in the mail that my 341 is scheduled for 11/09/2005 with instructions to bring SS Card and ID 11/09/2005 Successful 341! Trustee proclaims NO ASSET DISTRIBUTION!!! OH YEAH!

08-09-2007, 10:09 PM	#4
CindyLou Registered User B/F Guru Join Date: Oct 2005 Location: SoCal Posts: 2,295	Hi Craig, Just curious if you heard back from the credit union on your loan and the credit card? I'm about to apply....let us know!!
	Chapter 7 Pro Se....Discharged Feb. 2006

08-09-2007, 11:59 PM	#5
craigerzz Registered User B/F Newbie Join Date: Sep 2005 Posts: 57	Got approved for the visa at 10.99% and no fees! Still waiting on the decision on wether or not the auto refi is approved or not, i'll let you know.
	09/20/2005 Purchased Form7 software and started listing debts 09/27/2005 About 80% done with the paperwork. Goal is to file next week on 10/03/05 10/03/2005 Filed chapter 7 bankruptcy with the western district in washington state! 10/10/2005 Received notification in the mail that my 341 is scheduled for 11/09/2005 with instructions to bring SS Card and ID 11/09/2005 Successful 341! Trustee proclaims NO ASSET DISTRIBUTION!!! OH YEAH!

08-10-2007, 01:07 AM	#6
CATCHMEIFYOUCAN Registered User B/F Guru Join Date: Sep 2006 Location: Falls Church, Virginia Posts: 1,619	I want In ! Hmmm ... IM IN ! Will let you all know what I made out with. Catchmeifyoucan !
	July 2006: Filed Ch13 Oct 2006: Converted to Ch7 Jan 2007: DISCHARGED Nov 2007: CLOSED

08-11-2007, 01:39 PM	#7
CindyLou Registered User B/F Guru Join Date: Oct 2005 Location: SoCal Posts: 2,295	I called and talked to the loan dept. She said they give a weighted total to your credit score, debt to income ratio, and your recent credit history. Said its not just a computer deicison, but a real person decision. I'm waiting another week because we just paid off a few accounts that had balances on them and I want to make sure they reflect zero balances before the application goes through. So I guess I'll apply for the credit card and shoot for the low interest car loan and try to refi my cap one car loan thats at 10something? If I can get the credit car with a high limit I'd love to just close all the others and simplify my life a bit. I know it might lower my score a bit but then I wouldn't need to be applying for ANY credit any time soon, so it wouldn't really matter. I could just sit tight for a few years and not worry about it. I would be a happy camper if I could make out like Gcamperguy...only maybe with a little higher limit on the card.....hopefully, we'll see. I'll be curious to see how you make out, catchme, let us know asap!! cindy
	Chapter 7 Pro Se....Discharged Feb. 2006

08-15-2007, 09:22 AM	#8
CindyLou Registered User B/F Guru Join Date: Oct 2005 Location: SoCal Posts: 2,295	hey~ any news, gacreditguy or catchme???
	Chapter 7 Pro Se....Discharged Feb. 2006

08-21-2007, 08:53 PM	#9
CindyLou Registered User B/F Guru Join Date: Oct 2005 Location: SoCal Posts: 2,295	update: I applied online this weekend and called to check my status today. They said they had 300 apps this weekend for some strange reason and they are way behind in processing. ...........weird.....anyway...we'll see.
	Chapter 7 Pro Se....Discharged Feb. 2006

08-22-2007, 02:37 AM	#10
CATCHMEIFYOUCAN Registered User B/F Guru Join Date: Sep 2006 Location: Falls Church, Virginia Posts: 1,619	I'm still debating. Catchmeifyoucan
	July 2006: Filed Ch13 Oct 2006: Converted to Ch7 Jan 2007: DISCHARGED Nov 2007: CLOSED

08-22-2007, 10:11 AM	#11
CindyLou Registered User B/F Guru Join Date: Oct 2005 Location: SoCal Posts: 2,295	I'm still waiting, the suspense is killing me. The 6.75% refi would make a huge difference for me. It sounds too good to be true. We'll see. They also have a balance transfer special. If you apply now and transfer now its 3.9% for 18 months. If you apply now and transfer after 60 days its 2.9% for the life of the balance. Hmmmmmmm...could it be???? I could transfer my small personal loan and my treadmill. Hopefully they get back to me soon. I have had perfect credit since before my BK. No lates...NOTHING!!! I read some weird stuff on creditboards about their approval process, but I'll remain hopeful.
	Chapter 7 Pro Se....Discharged Feb. 2006

08-23-2007, 05:08 PM	#13
CindyLou Registered User B/F Guru Join Date: Oct 2005 Location: SoCal Posts: 2,295	Got a call back today. Seems they usually don't approve anything...loans, credit card, anything...if you are in chex systems. Well, I have one small thing from my before my-bk that I paid off after my bk (setteld for less than 50 or so) for $178, even though it shows as paid. It was actually a couple of debits that came through on a closed acct after I moved and didn't get the notices. Anyway this is from 2005. She said the BK wasn't a problem. They are going to give me a call back in a few days. Hopefully I'll at least be able to refi that vehicle. Weird that such an insignificant seeming thing would come back to bite me. Oh, well maybe it will all work out and I'll keep you posted. They were really really nice and seemed to want to work with me. She wasn't complimentary on my credit history since my BK, so that made me feel very good!! I had tried to dispute off chex systems but they wouldn't remove it cause the orig amount was over 100.00. ugggghhhhh
	Chapter 7 Pro Se....Discharged Feb. 2006

08-23-2007, 05:26 PM	#14
sara4 Registered User B/F Newbie Join Date: Jul 2007 Posts: 81	Well I must admit I read all the post concerning cccu and decided to apply this weekend for a checking and savings. I was disapproved because at the time chexsystem was still showing accounts I had that was part of my bk. Well, on Monday I got letter from Chexsystems saying everything was removed, I didn't believe it but I called anyway and was told nothing was listed and that everything was removed. I had faxed them my bk petition a few weeks before my discharge and they sent out notices to each bank. Those accounts were well over $100 but they were removed and I now have a new checking account with Navy FCU. Funny thing is I emailed CCCU letting them know, and I also reminded them that they are supposely a Christian CU so whatever happened to "FORGIVE US OUR DEBTS AS WE FORGIVE OUR DEBTORS"!!! Needless to say I didn't get a response from my email, and was wondering could it have been because I put a PS I forgive you at the end. LOL :-) Anyway, I don't need them and I'm excited to have NFCU since I know they have some of the best rates around and I can rebuild my credit through them. Just goes to show how no matter how Christian they are Business is still BUSINESS!!! Best of luck to you all hopefully you'll get to refi Sara4

08-30-2007, 02:01 PM	#15
NYCountry Registered User B/F Newbie Join Date: Mar 2007 Posts: 54	Does anyone know which credit reporting company they use? I am in the midst of clearing all three reports of stuff that should have been dealt with years ago right up until now and I am not finished with at least one of the companies. Thankee.

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