Free but Need Help..Credit Scores 594(TU), 648 (EQ), 690 (EX)
Well, It's been a long road, but my husband and I made it!!! I mean our story is not unlike the others we've heard, but we've been blessed we paid monthly on time into our plan even when one of us was unemployed for over 9 months 
But here is the trick - Somehow when month 58 came in August '07 a call to the Trustee to get amount for payout the Trustee informed us that our 13 would go past 60 months actually 5 months past the 60
Well that was a HUGE SHOCK!!!!! Well a call to our attorney was made lighting fast, and he said hold off making another payment...well in the meantime, the trustee filed a motion, our attorney filed a motion and GRACE, BLESSINGS and patience perserved, and we recieved our discharge letter on JANUARY 27, 2008.
I had been a little embrased about filing 13, so I was a little late on the credit clean up and really only started that the day our discharge letter arrived. So I purchased the TrueCredit Report with Score ($15.00ish) and the MyFico Complete ($35.00ish) used promo code.
Scores on MyFico are 594 (TU), 648 (EQ), 690 (EX); disputing items on TransUnion report.
What I need help with now is purchase of a new car. My husbands car is a 1984 Acura - purchased in 2001 and I have a 1997 Ford Explorer - purchased in 2002. We've had to get a new the engine for the Ford, and spend approximately $2-3k yearly since being in Chapter. With the pain being slightly over, we need a new car. History in Aug. '07 before paying another $2k in repairs I tried to get a loan - Denied from CapOne and RoadLoans. Well needless to say that hurt but we really need 1 good car to get to a from work so we're back in the market to purchase another car.
Not sure which way to turn. Should we go back to applying online or go to a dealer? And does anyone know a dealer or financing company that BK Friendly in Metro-Atlanta?
But here is the trick - Somehow when month 58 came in August '07 a call to the Trustee to get amount for payout the Trustee informed us that our 13 would go past 60 months actually 5 months past the 60
Well that was a HUGE SHOCK!!!!! Well a call to our attorney was made lighting fast, and he said hold off making another payment...well in the meantime, the trustee filed a motion, our attorney filed a motion and GRACE, BLESSINGS and patience perserved, and we recieved our discharge letter on JANUARY 27, 2008. I had been a little embrased about filing 13, so I was a little late on the credit clean up and really only started that the day our discharge letter arrived. So I purchased the TrueCredit Report with Score ($15.00ish) and the MyFico Complete ($35.00ish) used promo code.
Scores on MyFico are 594 (TU), 648 (EQ), 690 (EX); disputing items on TransUnion report.
What I need help with now is purchase of a new car. My husbands car is a 1984 Acura - purchased in 2001 and I have a 1997 Ford Explorer - purchased in 2002. We've had to get a new the engine for the Ford, and spend approximately $2-3k yearly since being in Chapter. With the pain being slightly over, we need a new car. History in Aug. '07 before paying another $2k in repairs I tried to get a loan - Denied from CapOne and RoadLoans. Well needless to say that hurt but we really need 1 good car to get to a from work so we're back in the market to purchase another car.
Not sure which way to turn. Should we go back to applying online or go to a dealer? And does anyone know a dealer or financing company that BK Friendly in Metro-Atlanta?
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