Being branded with the Scarlet letters "BK" is embarassing and feels pretty much like walking down the street with your pants around your ankles when applying for credit. I know that Credit Unions are not the answer for everyone but if at all possible, when going car hunting it be nice to have the check in your hand and can pick anywhere to buy the best vehichle for you.
Alot of times dealerships "BK specialist" are just there to take advantage of your situation and tell you things that sound soooo ridiculous. If you can be approved at a credit union no one knows you are post BK and therefore you can negotiate the best deal in your approval budget. I felt really good walking into the dealership with a specific amount, I felt good walking away from people not willing to lower the price tag on a vehicle, I felt valued as a person when they were calling me back with better offers on the vehicle.
Best of luck
Alot of times dealerships "BK specialist" are just there to take advantage of your situation and tell you things that sound soooo ridiculous. If you can be approved at a credit union no one knows you are post BK and therefore you can negotiate the best deal in your approval budget. I felt really good walking into the dealership with a specific amount, I felt good walking away from people not willing to lower the price tag on a vehicle, I felt valued as a person when they were calling me back with better offers on the vehicle.
Best of luck
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