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About Positivemotion

  • Birthday March 8

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  1. Thanks Marv. Found out today that I am about $5500 under water with the car so it's not looking good. I guess I will just keep paying my $398 note.
  2. I am really just trying to find out if I can get approved in my situation for a newer car (around $16k or so - Toyota is a having a 4th of July weekend sale on new Camrys) with lower miles and a much lower apr now that my scores have increased some and my reports are correct. Should I just go to the car lot and let them run my credit? I would love to be in a better financial situation vehicle wise. Please advise. Thanks for all your assistance.
  3. Ok. What if I put $1k down? Would that help and if so, what price range should I be looking at?
  4. Thanks for your reply. I am looking for a car I can roll it into hopefully. Not 100% sure how much car I need to be looking for but I want a new car with a lot lower mileage (currently at 130k) and lower interest rate.
  5. Credit Application: Your Age? 43 Your Equifax Credit Score? 605 Fico (651 credit karma) Your Experian Credit Score? 632 (based on Experian tracker today) Your TransUnion Credit Score? 610 Fico (629 credit karma) How many years have you been on file with Equifax? 21 How many years have you been on file with Experian? 21 How many years have you been on file with TransUnion? 21 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes (2008 Toyota Camry LE 4cyl) Will this open auto loan be a trade-in? Yes How many late pays within the last 12 months on the currently open lo
  6. 2014 Hyundai Accent Hatchback, 23 miles and financed $21k at 21.99%. Currently awaiting chapter 7 discharge (18 days left). Also have a chapter 7 discharged in jan 2006 that will fall off reports in September this year. Current credit score about 500. $1k down. How did I do? $450 for 72 months.
  7. I have 2 bks reporting and one is not even discharged yet. I walked into a dealership and left with $0 (zero) down at 19% last week, which I plan to refi as soon as my current bk discharges. I think he can do a hell of a lot better than me.
  8. Good luck! I too gave it a go 9 months before bk but eventually got served and garnish attempt. Got fed up after my hardwork and gave in. In my case I am very glad I did as I couldn't get approved for anything to save my life. I am 30 days from discharge and excited about my future. My car basically died this past Thursday so I put putted to a dealership in my area and drove off with $0 down in a brand new car. I tried to get a car in Dec prior to bk but had to return the car because they could not finance me.
  9. Great, thanks! Yes, I am awaiting bk 7 discharge as we speak but I am following your thread as well as any and all info I find on naca. I am in las vegas and the meeting out here was great especially seeing all the success stories in person. That 15 year mortgage deal is unbelievable and is what I am going for when ready. Please keep posting all your experience because it is helping people like me. Additionally, I told the naca people I was in bk and they said I could still get started anyway.
  10. Congrats! I went to the NACA initial workshop. I plan on going through them for My home. The 15 year loan is great with the buy down as well.Any update? I will not be ready to buy a house until 2017. I just went to meeting for information but I loved what I heard and cannot wait to get started.
  11. 27% sounds like shooting in both feet with double barrels - Yikes! 27% is LEGAL???? Some states it is. Clearly not NV as I was paying 30%!
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