I have searched and there are a lot of similar scenarios but as you all know I am very careful with my credit these days so I was hoping I could get some feedback from someone in my position...or real close
BK was discharged in june of 09. I did include a vehicle in that discharge.
Girlfriend and I bought a truck on her credit about 6 months ago.
I wanted to now trade her truck (my payment) in for something else in order to get it in my name. So as to improve my credit score with the timely payments. This will improve my credit right??
The truck is probobally close to what we owe but may be a little upside down considering it would be a trade in and only purchase a short time ago.
My credit score today is 620 with one small credit card (first premiere) that is a low balance.
Will I qualify only one year out of BK? I keep seeing Chase on here....
Will I need a deposit or will they roll over the balance from other loan?
Any additional thoughts?
What about refinancing the current truck in my name? anyone do that or will that work?
Thank you in advance! Justin
BK was discharged in june of 09. I did include a vehicle in that discharge.
Girlfriend and I bought a truck on her credit about 6 months ago.
I wanted to now trade her truck (my payment) in for something else in order to get it in my name. So as to improve my credit score with the timely payments. This will improve my credit right??
The truck is probobally close to what we owe but may be a little upside down considering it would be a trade in and only purchase a short time ago.
My credit score today is 620 with one small credit card (first premiere) that is a low balance.
Will I qualify only one year out of BK? I keep seeing Chase on here....
Will I need a deposit or will they roll over the balance from other loan?
Any additional thoughts?
What about refinancing the current truck in my name? anyone do that or will that work?
Thank you in advance! Justin
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