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FICO scores after discharge

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    #1

    FICO scores after discharge

    Hi all,

    I have FICO scores from almost 15 months past the discharge in 3/06:

    Experian 701
    Equifax 646
    Transunion 642

    I have been rebuilding credit on time with several new cards after the discharge. How long should I wait until I can obtain a decent rate for a new auto loan? I spoke with State Farm who has good rates on auto loans and they told me 2 years after the BK discharge they can give me a loan.
    Tags: None
    #2
    Surely, you don't have to wait 2 years. I can not begin to tell you how many of our members did quite well obtaining decent auto loans.
    Bankruptcy History:
    Chapter 7 filed - 10/12/2005 - Asset
    Discharged - 02/16/2006
    Case Closed - 11/08/2007

    A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

    All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

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      #3
      try lendingtree.com you will be able to compare rates here and capitalone seems to give lower rates here than directly through their own website.
      Chapter 7 Pro Se....Discharged Feb. 2006

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