No Wonder i got denied by roadloans/ford

[tiredofdebt1]

and cap one.....i just signed up w/ mycreditkeeper.com.....

equifax- 448
transunion- 484
experian- 475

that explains y i cant get a car prior to bk.....although im going to surrender this car.....2001 Mazda....got sold a car that was in a flood....i owe 9k...mazda dealership said it is worth 2900k..at the most......the work i need on it is way more than that......the airbags need to be replaced

[JollyGG]

Well, you got your scores so I assume you also have your credit report.
You need to go through your report and start disputing anything inaccurate.
Every debt that was include in the bankruptcy shoud say IIB (included in bankruptcy) and show a 0 balance.
Debts that were charged off before you filed can say charged off, but they may not say that after the date of your bankruptcy.
A little credit report clean-up and I'll bet your scores climb dramatically.

[freshstart06]

my scores was 490 and my husbands was 390 when we got our car during bK. It was one of those BK loan (loans for people in bk,no money down, a replacement loan) I am almost close to closing now my score is almost 540

[Lindsay]

My current score is 520 and we haven't filed BK yet. It was 680 three months ago, but we are 60 days delinquent on about 8 cards. I can only imagine how low it will be when we file! But it doesn't really matter to me as I'm planning on staying away from any credit in the future.

I've read alot of posts where people were given vehicle loans with very low FICO scores, so you should probably keep trying.