Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do: (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

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Just Purchased a Car

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  • Just Purchased a Car

    - Chapter 13 Discharged August 2016
    - Purchased 2014 RAV4 55,000
    - Rate 4.6%
    - Credit Rating 697 ( After hard pulls to finance car)

    I had kept my old Sonata all through my BK and made it last 12 months past the discharge. The old girl started nickle and dimeing me to the point that it made more financial sense to get a new car.

  • #2
    Congrats Bobcat216. I have a 2013 vehicle that I hope will make it through my five years. I've kept up the maintenance and have low miles so I'm hoping it will. Congrats on the RAV4, APR and credit score. How did you manage to get such a high score after 5 years is there something you did while in the 13? Just curious as I know I'm just starting but I like to get a head start on what I need to do. Congrats again!


    • #3
      Hi Bobcat, I'm glad things are going well for you.
      Filed Chapter 13 - 07/20/12
      Discharged 8/2/16


      • #4
        @ronsim - Regarding the credit score it was in the mid to low 6's during the Chapter 13. Once discharged I waited 3 months and applied for and received a Cap One Quicksilver with a $10,000 limit. I put gas and some groceries on the card, wait until just after the statement date and pay it off. Over 12 months it has incrementally increased my credit score. Everything on my CS looks great other that the BK. Once that is off I should see a bump to the mid 700's. I do have a few hard pulls for the finacing of the car which it has dipped a little but not bad. Other than paying all my bills on time and the fact that I have a decent income and 2% debt to income ration there is nothing else to do.

        The APR was through a local Credit Union that I don't really do much banking with but I have a relationship with the financial adviser. They offer free advice and I had taken them up on it through my BK. They weren't much help other than reiterating to make good purchasing decisions and "stay the course". Never get over extended, pay cash whenever you can. I also had miser-ed away some cash and put $4000 down on the car. That may have helped. Let me know if you have any other questions as I am happy to help.

        Hi sophieanne XOXO I hope you are navigating post BK like a champ! I like yours and LadyInRed's mortgage discussion. I will start posting as I have my house up for sale. XOXO


        • #5
          bobcat216 XOXO to you!!! I did a post on Aug 2nd which was my one year anniversary of discharge. My financial situation is fantastic. Learned a lot and continuing on with those lessons.
          Good luck selling your house, I'll be looking forward to your posts.
          Filed Chapter 13 - 07/20/12
          Discharged 8/2/16


          • #6
            Thanks for the info Bobcat216 and congrats again. I got my case # today so let the 60 months begin!! Feeling relieved that it's filed and the process have begun.


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