I've been lurking on the forums for a little while now and thanks to the wealth of knowledge available here, I've been able to re-establish positive credit. I think I've gotten a decent grasp on basic credit issues as it relates to credit cards and mortgages, but I cannot for the life of me understand automotive financing. It's the last frontier and I'm unable to conquer it. Here's the story...
One year ago I filed Chapter 7. Since then I've been able to remove most baddies leaving only 2 paid state tax liens from 2007-08 and one IIB deposit account (currently showing $0 - discharge balanc