We filed bk7 discharged in aug 04. We had a car at that time and it got repod durring bk. It is no where on our credit. Dh had a repo in 02 that was IIB. Since bk we have been using MIL's car which was totaled in a wreak over the weekend. We need a new car.
We just moved into our new house last week. It is not even on our credit yet.
DH scores are TU590 EQ 5654 EX 614 He has seven neg. One BK7 discharged 04, six collections IIB. He has one positive AMEX he an AU says pd as agree since 03.
Mine are TU 587 EQ 568 EX 595 I have four students loans deferred, one positive tl, five collections all IIB.
Where do we start. We are going to need van or something that seats seven to eight. I applied for House hold auto and road loans and was denied. Do I just need to go into a dealership somewhere. I know with our DTI is high since the new house. We can come up with $500 down.