I have just under 90 days left on my chapter 13. I am not wanting to get credit cards or anything like that. I want to save and buy things with cash. However, we have a major house problem that needs attention faster than I can save the money.
Our house has wood siding and is deteriorating quickly. At one part of the house, the siding crumbles when you touch it. I have to get this taken care of and Im assuming the cost to completely redo siding has to be around 10,000, right?
The company I am looking at does offer financing..but Im scared that it will be through banks that was listed in our BK. Im afraid of applying and having my credit score dinged for the inquiry and then not getting the loan because of our bk. I really didn't want to finance anything this quickly. I will definitely wait until our BK is over, but not much past that.
Has anyone had to finance anything like this right out of BK and what are your experiences? Of course, we will be able to afford monthly payments, but Im afraid I won't even get a loan. As of now, my credit score is 637 and my husbands is 664 if that helps.
If I can't get financing through the roofing/siding company, where else can I go to get help? Im afraid if the siding keeps crumbling, its going to cause more issues...and more expensive ones.
Thanks.
Our house has wood siding and is deteriorating quickly. At one part of the house, the siding crumbles when you touch it. I have to get this taken care of and Im assuming the cost to completely redo siding has to be around 10,000, right?
The company I am looking at does offer financing..but Im scared that it will be through banks that was listed in our BK. Im afraid of applying and having my credit score dinged for the inquiry and then not getting the loan because of our bk. I really didn't want to finance anything this quickly. I will definitely wait until our BK is over, but not much past that.
Has anyone had to finance anything like this right out of BK and what are your experiences? Of course, we will be able to afford monthly payments, but Im afraid I won't even get a loan. As of now, my credit score is 637 and my husbands is 664 if that helps.
If I can't get financing through the roofing/siding company, where else can I go to get help? Im afraid if the siding keeps crumbling, its going to cause more issues...and more expensive ones.
Thanks.
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